贫困地区居民完全金融排斥影响因素的实证研究

摘要笔者基于我国贫困地区10个县1682个样本使用金融服务的调查数据,运用Logistic回归方法对完全金融排斥的影响因素进行分析。研究结果表明,居民就业、收入和受教育程度对完全金融排斥有重要的影响,其他的影响因素还有区域、年龄、房产权和家庭规模。研究结果还表明性别、婚姻、健康、民族、社会阶层对完全金融排斥的影响不明显。本文认为贫困地区居民金融排斥问题的解决需要有关方面采取措施提高居民的收入、改善金融服务的结构、提高贫困地区教育发展水平,增加贫困地区居民家庭财产的累积。

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	雷汉云

关键词：完全金融排斥贫困人口金融服务

Abstract： Based on the survey data of more than 1,600 households in poverty areas about the financial services,the paper analyzes the factors about total financial exclusion using Logistic Regression Model.The research results show that:(1) Residents’ occupation,income and educational attainment have significant impact on total financial exclusion,and other important factors include region,age,property rights and family size.(2) The influence of gender,marriage,health,ethnicity and social class have influence to total financial exclusion,but their influence aren’t significant.(3)In order to solve financial exclusion problem in our poverty areas,relevant authorities should take measures to improve residents’ income,financial services structure,the level of educational development in poor areas,and increase the accumulation of properties of household property.

Keywords： Total Financial Exclusion Poverty Financial Service

收稿日期 2015-03-04; 接受日期 2015-03-04;

基金资助:新疆维吾尔自治区高校科研计划重点项目(XJEDU2012I31)

作者简介: 雷汉云(1965-),男,湖南衡东人,博士,副教授,主要从事金融研究。

引用本文:

雷汉云.贫困地区居民完全金融排斥影响因素的实证研究[J]. 经济经纬, 2015,2: 149-154

LEI Han-yun.The Research on the Influencing Factors of Residents’ Total Financial Exclusion in Chinese Poverty Areas[J] Economic Survey, 2015,V32(2): 149-154

链接本文:

http://www.jjjw.org.cn/CN/ 或 http://www.jjjw.org.cn/CN/Y2015/V32/I2/149