本文以新疆15个地州市为研究对象,在运用变异系数来测算新疆2013年金融排斥指数的基础上,利用灰色关联和皮埃尔逊相关系数来探究新疆金融排斥区域差异的主要影响因素。研究结果表明:新疆金融排斥区域差异较为明显,金融排斥程度由高到低依次为南疆、东疆、北疆;区域间收入水平、产业结构、金融发展程度、民族构成、人口结构的不同导致了金融排斥区域的差异性。鉴于此,结合新疆金融服务业发展现状,本文从金融因素、经济因素和社会因素等方面提出了弱化金融排斥的建议。
Based on the employment of the variation coefficient method to measure financial exclusion index of Xinjiang in 2013, this paper, taking 15 regions and prefectures in Xinjiang as the research object, explores the main factors influencing the financial exclusion on regional differences in Xinjiang with grey correlation and Pierre Johnson correlation coefficient method. The results show that the financial exclusion in regional differences in Xinjiang are more obvious, financial exclusion degree in sequence from high to low is south Xinjiang, east Xinjiang, north Xinjiang. Differences in income, industrial structure, financial development, ethnic composition, population structure lead to different regional financial exclusion. Therefore, in combination with the status quo of the development of financial service industry in Xinjiang, effective suggestions are put forward to weaken the financial exclusion from financial, economic and social aspect.
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