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County-level Inclusive Financial System Development Evaluation Research:Based on Data of 300 Financial Institutions in Shaanxi Province
Pages: 25-31+36
Year: Issue:  12
Journal: Xi'an Finance

Keyword:  inclusive financial systemcounty-level regionevaluationCSE;
Abstract: On the basis of systematically reviewing the related literatures on the development of the inclusive financial system at home and abroad, learning from the international experience, according to the practical development of the county-level regions, under three dimensions of "credit + financial services + macro environment", the paper sets up the county-level inclusive financial system development evaluation system including 45 index. By gathering data of each county in Shaanxi province, the paper has made nine times of evaluations on the development level of inclusive financial system of various counties for five years, and made the analysis on the main indicators of the evaluation system. The study finds that the main problems of county-level inclusive financial system development are as follows.(1) The county-level financial development is still backward, and the financial resources share has dropped year by year;(2) the monopoly degree of the county-level financial market is high, and the competition is not sufficient;(3) the focus of the county-level inclusive financial system development is the county-level non-legal financial institutions;(4) the popularity of the modern financial services based on modern means of science and technology such as mobile communication and Internet is low. The paper finally puts forward policy suggestions to promote the development of the county-level inclusive financial system:(1) promoting the financial reform and building the top-level design of the inclusive financial system;(2) improving the financial market openness and realizing the full competition of the county-level financing field;(3) expanding the financial services dimension and promoting the deep development of the county-level inclusive financial system;(4) promoting the mobile finance and expanding the permeability of ser-vices of the inclusive financial system;(5) establishing "ratio regulation" system and improving the support system of the county-level inclusive financial system development. The evaluation is the quantitative assessment and the empirical analysis on the development level of the county-level inclusive financial system for the first time nationally, and is of theory value and policy significance to explore the direction of China’s inclusive financial system development.
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