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首页> 外文期刊>The Singapore economic review >THE FINANCIAL EXCLUSION IN THE DEVELOPMENT OF DIGITAL FINANCE - A STUDY BASED ON SURVEY DATA IN THE JINGJINJI RURAL AREA
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THE FINANCIAL EXCLUSION IN THE DEVELOPMENT OF DIGITAL FINANCE - A STUDY BASED ON SURVEY DATA IN THE JINGJINJI RURAL AREA

机译：数字金融发展中的金融排斥-基于京津冀农村地区调查数据的研究。

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摘要

Based on survey data, we analyze the level of financial exclusion during the development of digital finance in the rural area of three Chinese provinces of Beijing, Tianjin and Hebei (Jingjinji). We use a censored probit model to examine whether there is financial exclusion and the degree of financial exclusion for the rural residents. The empirical results show that the significant factors influencing the financial exclusion in digital finance include the personal characteristics of the rural residents, the understanding of digital finance, digital financial infrastructure, the development of digital finance, and the social environment. Therefore, we think the precise orientation and distinction for the excluded group in the rural area, according to age, education, income, and other influencing factors could be helpful for making policies to eliminate financial exclusion and increase the inclusiveness of the financial industry.
机译：基于调查数据，我们分析了北京，天津和河北（京津冀）这三个中国省份农村地区数字金融发展过程中的金融排斥程度。我们使用审查概率模型来检验农村居民是否存在金融排斥和金融排斥的程度。实证结果表明，影响数字金融中金融排斥的重要因素包括农村居民的个人特征，对数字金融的理解，数字金融基础设施，数字金融的发展以及社会环境。因此，我们认为根据年龄，教育程度，收入和其他影响因素，对农村地区被排斥群体的准确定位和区分可能有助于制定消除金融排斥并提高金融业包容性的政策。

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  • 来源
    《The Singapore economic review》 |2018年第1期|65-82|共18页
  • 作者

    Ren Biyun; Li Liuying; Zhao Hongmei; Zhou Yunbo;

  • 作者单位

    Tianjin Univ Finance & Econ, Res Ctr Finance & Insurance, Key Res Inst Humanities & Social Sci Univ Tianjin, Tianjin 300222, Peoples R China;

    Tianjin Univ Finance & Econ, Sch Econ, 25 Zhujiang Rd, Tianjin 300222, Peoples R China;

    Nankai Univ, Sch Econ, Inst Econometr & Stat, 94 Weijin Rd, Tianjin 300071, Peoples R China;

    Nankai Univ, Sch Econ, Inst Econ, Nankai Qu 300071, Peoples R China;

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  • 原文格式 PDF
  • 正文语种 eng
  • 中图分类
  • 关键词

    Financial exclusion; digital finance; inclusiveness; censored probit model;

    机译：金融排斥;数字金融;包容性;审查概率模型;

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