山东省普惠金融发展现状及影响因素分析--基于普惠金融发展指数的实证研究

摘要

本文以山东省17地市2009—2013年的年度数据为样本，通过构建普惠金融指数的方法对山东省普惠金融发展情况进行了实证研究。相关研究结果显示，山东省普惠金融发展保持良好态势，金融覆盖面不断扩大，金融服务使用效率逐步提高，金融服务成本整体下移。同时，也存在地方政府落实补贴政策不到位等问题，并在加大政策扶持力度、强化金融创新等方面提出政策建议。%In this paper,we use the annual data of 17 cities in Shandong Province during 2009-2013 as the empiri-cal sample. Meanwhile,we choose the way of calculating IFSI (Inclusive Financial System Index) to make empirical study on the development of Inclusive Financial System in Shandong Province. The main following conclusion could be made from this paper. Shandong Province has made great achievements in the development of Inclusive Financial Sys-tem,such as the coverage and efficiency of financial service are becoming better,the cost is lower than before. While some factors which may cause negative effluence on further development still exist. Finally, we give the suggestions on motivating financial innovation and subsidies.