【摘要】：2013年底,十八屆三中全會(huì)通過《中共中央關(guān)于全面深化改革若干重大問題的決定》,正式提出“發(fā)展普惠金融,鼓勵(lì)金融創(chuàng)新”。這是“普惠金融”首次寫入黨的執(zhí)政綱領(lǐng),普惠金融逐漸成為學(xué)術(shù)界研究的熱點(diǎn)問題。本文以新疆維吾爾自治區(qū)85個(gè)縣域?yàn)檠芯繉ο?構(gòu)建其普惠金融體系,測度評(píng)價(jià)了85個(gè)縣域的普惠金融發(fā)展水平,進(jìn)一步探求了影響新疆維吾爾自治區(qū)普惠金融水平的因素,這對提高新疆維吾爾自治區(qū)普惠金融水平,加速其轉(zhuǎn)型發(fā)展的實(shí)現(xiàn)具有一定的現(xiàn)實(shí)指導(dǎo)意義。本文在對國內(nèi)外學(xué)者關(guān)于普惠金融的測度及影響因素的研究成果進(jìn)行歸納梳理的基礎(chǔ)上,首先對新疆維吾爾自治區(qū)金融發(fā)展的基本情況做了描述性統(tǒng)計(jì)和分析,進(jìn)一步對2014年新疆維吾爾自治區(qū)85個(gè)縣域的普惠金融水平進(jìn)行測度分類和評(píng)價(jià)。研究表明:新疆維吾爾自治區(qū)普惠金融水平普遍偏低,呈高、中、低三類,普惠金融中低水平縣域是主體構(gòu)成,占比89.41%;區(qū)域分布特征明顯,普惠金融水平較高地區(qū)主要集中在北疆地區(qū),普惠金融水平低的地區(qū)主要集中于南疆地區(qū)。最后,探究了影響新疆維吾爾自治區(qū)普惠金融發(fā)展水平的主要因素。研究發(fā)現(xiàn),城鎮(zhèn)化率、地區(qū)經(jīng)濟(jì)發(fā)展水平、金融發(fā)展效率和儲(chǔ)蓄水平是新疆維吾爾自治區(qū)普惠金融發(fā)展水平的主要影響因素,且具有正向推動(dòng)作用;信息化水平、城鄉(xiāng)居民收入差距以及教育水平在一定程度上也影響了新疆維吾爾自治區(qū)普惠金融水平�；谏鲜鲅芯拷Y(jié)論,針對如何提高普惠金融水平提出了相應(yīng)的對策建議。本文對新疆維吾爾自治區(qū)85個(gè)縣域的普惠金融發(fā)展?fàn)顩r的測度評(píng)價(jià)及其影響因素的研究,為衡量新疆維吾爾自治區(qū)的普惠金融水平提供了科學(xué)合理的依據(jù),豐富了現(xiàn)有的關(guān)于縣域普惠金融發(fā)展的研究成果。在實(shí)踐中,有助于制定進(jìn)一步有效提高新疆維吾爾自治區(qū)的普惠金融水平的相關(guān)政策和措施,助推資源型省份新疆維吾爾自治區(qū)的轉(zhuǎn)型跨越發(fā)展的實(shí)施。
[Abstract]:At the end of 2013, the third Plenary session of the 18th CPC Central Committee adopted the "decision of the CPC Central Committee on comprehensively deepening Reform", formally proposing "developing inclusive finance and encouraging financial innovation." This is the first time to write the ruling program of inclusive Finance, which has gradually become a hot issue in academic circles. This paper takes 85 counties of Xinjiang Uygur Autonomous region as the research object, constructs its inclusive financial system, measures and evaluates the development level of inclusive finance in 85 counties, and further explores the factors that affect the inclusive financial level of Xinjiang Uygur Autonomous region. It is of practical significance to improve the inclusive finance level of Xinjiang Uygur Autonomous region and accelerate the realization of its transformation and development. On the basis of summarizing and combing the research results of domestic and foreign scholars on the measurement and influencing factors of inclusive finance, this paper firstly makes descriptive statistics and analysis on the basic situation of financial development in Xinjiang Uygur Autonomous region. The inclusive financial level of 85 counties in Xinjiang Uygur Autonomous region in 2014 is further classified and evaluated. The research shows that: the financial level of inclusive finance in Xinjiang Uygur Autonomous region is generally low, showing three types: high, middle and low, and the county region with middle and low level of inclusive finance is the main body, accounting for 89.41%; The characteristics of regional distribution are obvious. The high level of inclusive finance is mainly concentrated in northern Xinjiang, and the low level of inclusive finance is mainly concentrated in southern Xinjiang. Finally, it explores the main factors that affect the development level of inclusive finance in Xinjiang Uygur Autonomous region. It is found that the urbanization rate, the level of regional economic development, the efficiency of financial development and the level of savings are the main factors affecting the development level of inclusive finance in Xinjiang Uygur Autonomous region. The level of informatization, the income gap between urban and rural residents and the level of education also affect the inclusive financial level of Xinjiang Uygur Autonomous region to a certain extent. Based on the above conclusions, this paper puts forward some countermeasures and suggestions on how to improve the inclusive finance level. This paper studies the measurement, evaluation and influencing factors of inclusive finance in 85 counties of Xinjiang Uygur Autonomous region, which provides a scientific and reasonable basis for measuring the level of inclusive finance in Xinjiang Uygur Autonomous region. Enrich the existing research on county inclusive financial development results. In practice, it is helpful to formulate relevant policies and measures to further improve the inclusive financial level of Xinjiang Uygur Autonomous region, and to promote the implementation of the transformation and leapfrogging development of Xinjiang Uygur Autonomous region, a resource-based province.
【學(xué)位授予單位】：石河子大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F832.7

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