Research On Efficiency Measurement And Influencing Factors Of Inclusive Financial Services In Gansu Province

With the popularization of the concept of inclusive finance and the release of related achievement documents,inclusive finance has played an increasingly important role in social development and economic improvement.In this context,in order to implement the relevant requirements for the development of inclusive finance in China,the relevant departments of the Gansu Provincial Government based on the actual conditions of the province,determined the corresponding development plan and actively promoted the development of inclusive finance.The measurement of the efficiency of inclusive financial services in Gansu Province,as well as the exploration of influencing factors and promotion methods,help to deepen the understanding of inclusive finance and promote the balanced development of regional economy in Gansu Province.Based on the research achievements of scholars at home and abroad,this paper firstly makes a macro analysis and analysis of the development status of inclusive finance in Gansu Province from the three dimensions of availability,use and quality.On this basis,construct an index system of inclusive financial development level,and screen out the input variables and output variables of the efficiency of inclusive financial services in Gansu Province according to the principle of index selection.Secondly,the traditional DEA model,Super SBM model and Malmquist index model used in the measurement of inclusive financial service efficiency are briefly introduced,and the efficiency of inclusive financial service in Gansu Province from 2009 to 2018 is measured in turn using the above model.Then,the measurement results are analyzed from the time dimension and the space dimension,and the two dimensions are coupled to further study the specific development situation and existing problems of inclusive financial service efficiency in Gansu Province.Studies have shown that the overall efficiency of inclusive financial services in Gansu Province is fluctuating and rising.The regional efficiency values vary in different degrees,and the overall development of the northwest region is weak.Then,from the three aspects of social environment,financial development,and industrial economy,the panel Tobit model is used to perform regression analysis on the influencing factors of Super SBM’s inclusive financial service efficiency measurement results.Finally,based on the current status of inclusive financial development in Gansu Province and empirical analysis results,it proposes development suggestions for improving the efficiency of inclusive financial services in Gansu Province for three types of objects,including government departments,financial institutions,residents and SMEs.