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从渗透性、使用有效性和可负担性三个维度构建金融包容指数,对我国各省份金融包容发展水平进行测度,采用空间面板模型对金融包容与城乡收入差距之间的关系进行实证检验。结果显示:(1)我国各省域金融包容水平普遍较低,整体分布呈“东高中西低”;(2)金融包容和城乡收入差距存在空间集聚特征,表现出显著的空间相关性;(3)总体来看,金融包容对城乡收入差距的影响呈倒U型,我国大部分地区目前仍处倒U型左侧。
This paper constructs financial inclusion index from the three dimensions of permeability, usability and affordability, and measures the level of financial inclusion in all provinces in our country. Employing the spatial panel model, we test the relationship between financial inclusion and urban-rural income gap. The results show that: (1) The financial inclusiveness of provinces in our country is generally low, the overall distribution is “East High Middle West Low”; (2) Financial inclusiveness and urban-rural income gap exist spatial agglomeration characteristics and show significant spatial correlation; (3) Overall, the impact of financial inclusion on the income gap between urban and rural areas is inverted U-shaped, and most parts of our country are still at the left of U-shaped.