普惠金融指能够有效、可持续的为社会不同群体提供合适的产品和服务的金融 体系。本文梳理了普惠金融发展评价体系、普惠金融发展影响因素以及推进普惠金 融发展对策建议。通过问卷调查，了解石家庄县域普惠金融发展现状，从县域经济 发展水平、县域普惠金融使用情况、县域普惠金融可得性情况对石家庄县域普惠金 融发展开展分析，发现当前石家庄县域普惠金融发展还存在着经济发展水平落后导 致金融需求相对较少、金融服务网点少产品单一、信用体系建设不完善、金融知识 缺乏抑制金融服务获取、普惠金融服务成本高等问题。为形成普惠金融发展量化评 价体系，通过选取3个维度8个指标构建了县域普惠金融指标评价体系，其中可得 性评价维度由每万人拥有的具有融资功能非金融机构数、每万人拥有的ATM数、 每万人拥有的银行网点数3个具体指标构成；使用情况评价维度具体个人银行结算 账户人均拥有量、企业法人单位银行结算账户平均拥有量、保险密度3个指标构成； 质量评价维度具体由标人均移动支付开通量、农户信用贷款2个指标构成。通过计 算石家庄市17个县2014——2017年普惠金融IFI数值，对县域普惠金融发展形成 了量化评价。为探究普惠金融发展的影响因素，选取人均GDP、城乡居民收入差距、 教育水平、城镇化水平、接触便利、就业水平、政策支持、科技发展水平8个指标， 构建面板数据模型，进行实证分析。最终的结果来看，人均GDP取对数处理后与 普惠金融指数正向相关，城镇化率、接触便利、科技发展水平正向促进普惠金融发 展；城乡收入差距取对数处理后与普惠金融指数负向相关。教育水平、就业水平、 政府政策支持与普惠金融发展指数在统计学上不相关。最后总结全文，从提高收入 水平，建立普惠金融体系；筹区域发展，缩小城乡差距；提高科技化水平，鼓励金 融创新；普及金融知识，建立常态化机制；加大政策支持，激发金融机构活力五方 面给出了促进县域普惠金融发展的政策建议。 关键字：普惠金融评价石家庄县域 II ABSTRACT Pratt&WhitneyFinancialreferstothefinancialsystemwhichcaneffectivelyand all-roundservicesforallsocialstrataandgroups.Thispapercombstheevaluationindex ofPratt&WhitneyFinancialdevelopment,theinfluencingfactorsofinclusivefinancial developmentandthesuggestionsforpromotingthedevelopmentofPratt&Whitney Financialdevelopment.Throughquestionnairesurvey,welearnedaboutthedevelopment statusofPratt&WhitneyFinancialinShijiazhuangCounty.Analysisofthedevelopment statusofPratt&WhitneyFinancialinShijiazhuangCountyfromthelevelofcounty economicdevelopment,theuseofinclusivefinanceincounties,andtheavailabilityof inclusivefinanceincounties.ItisfoundthatthecurrentdevelopmentofPratt&Whitney inShijiazhuangCountystillhasproblemssuchasthebackwardnessofeconomic development,therelativelylowfinancialdemand,thesingleproductoffinancialservice outlets,theimperfectconstructionofcreditsystem,thelackoffinancialknowledgeto curbtheacquisitionoffinancialservices,andthehighcostofPratt&WhitneyFinancial services.ToformaquantitativeevaluationsystemforPratt&WhitneyFinancial development,thecounty-levelPratt&WhitneyFinancialindicatorevaluationsystemwas constructedbyselectingthreeindicators.Theavailabilityevaluationdimensionconsists ofthreespecificindicatorsofthenumberofnon-financialinstitutionswithfinancing functions,thenumberofATMsper10,000people,andthenumberofbankoutletsper 10,000peopleownedbyeach10,000people.UsageevaluationdimensionSpecific individualbanksettlementaccountpercapitapossession,enterpriselegalentitybank settlementaccountaveragepossession,insurancedensitythreeindicators.Thequality evaluationdimensioniscomposedoftwoindicators:themobilepaymentopening amountandtheruralhouseholdcreditloan.BycalculatingtheIFIvaluesofthePratt& WhitneyFinancialofthe17countiesinyears2014to2017,thequantitativeevaluation ofthedevelopmentofinclusivefinanceinthecountyhasbeenformed.Toexplorethe influencingfactorsofinclusivefinancialdevelopment,select8indicatorsofpercapita GDP,incomegapbetweenurbanandruralresidents,educationlevel,urbanizationlevel, contactconvenience,employmentlevel,policysupport,andscientificandtechnological developmentlevel,constructpaneldatamodelandconductempiricalanalysis.Fromthe III finalresult,welearnthatthelogarithmofpercapitaGDPispositivelyrelatedtothe inclusivefinancialindex.Theurbanizationrate,contactconvenience,andscientificand technologicaldevelopmentlevelarepromotingthedevelopmentofinclusivefinance. Theurban-ruralincomegapisnegativelycorrelatedwiththeinclusivefinancialindex. Educationlevels,employmentlevels,governmentpolicysupport,andtheInclusive FinancialDevelopmentIndexarenotstatisticallyrelated.Finally,thepapersummarizes thefulltext,fromraisingtheincomelevel,establishinganinclusivefinancialsystem; raisingregionaldevelopment,narrowingthegapbetweenurbanandruralareas; improvingthelevelofscienceandtechnology,encouragingfinancialinnovation; popularizingfinancialknowledge,establishinganormalizationmechanism;increasing policysupportandstimulatingthevitalityoffinancialinstitutionsFiveaspectsgive policyrecommendationstopromotethedevelopmentofinclusivefinanceinthecounty. KEYWORDS:Pratt&WhitneyEvaluationShijiazhuangCounty IV 目录 摘要.....................................................................................................................................I ABSTRACT..........................................................................................................................II 第一章绪论........................................................................................................................1 1.1选题背景和意义....................................................................................................1 1.1.1选题背景....................................................................................................1 1.1.2选题意义....................................................................................................2 1.2文献综述................................................................................................................3 1.2.1关于普惠金融发展评价方法的研究.......................................................3 1.2.2关于普惠金融影响因素的研究...............................................................5 1.2.3关于推进普惠金融发展对策建议的研究...............................................6 1.2.4文献评述....................................................................................................6 1.3研究内容、研究方法和技术路线图...................................................................7 1.3.1研究内容....................................................................................................7 1.3.2技术路线图................................................................................................8 1.3.3研究方法....................................................................................................8 1.4创新与不足............................................................................................................9 1.4.1可能的创新点............................................................................................9 1.4.2存在的不足................................................................................................9 第二章石家庄市县域普惠金融发展现状分析.............................................................10 2.1县域经济发展水平..............................................................................................10 2.2县域普惠金融发展现状分析.............................................................................11 2.2.1县域普惠金融使用情况分析.................................................................11 2.2.2县域普惠金融可得性情况分析.............................................................12 2.2.3县域普惠金融服务质量情况分析.........................................................13 2.3县域普惠金融发展存在的问题.........................................................................14 2.3.1经济发展水平落后导致金融需求相对较少.........................................14 2.3.2金融服务网点少、产品单一.................................................................15 2.3.3信用体系建设不完善.............................................................................15 V 2.3.4金融知识缺乏抑制金融服务获取.........................................................15 2.3.5普惠金融服务成本高....................................................................