东西部城市普惠金融深度发展分析

Analysis of the Deep Development of Inclusive Finance in Eastern and Western Cities

摘要: 基于6年的面板数据，本文通过建立倾向匹配得分模型对比分析了我国东西部城市的普惠金融使用深度以及其二级指标的各项数量效应。使用倾向匹配方法后，有效解决了东西部地区经济差异较大的问题，使对比效果更具有说服力。研究发现，政府应当注重普惠金融在支付、投资与信用这三方面的深度投入力度，鼓励可以促进普惠金融正向发展的指标的发展，以达到深度发展普惠金融，从而促进区域的经济增长。

Abstract: Based on six years of panel data, this article uses a propensity score matching model to analyze and compare the depth of inclusive finance usage and the quantity effects of its sub-indicators in the eastern and western cities of China. After using the propensity matching method, the problem of significant economic differences between the eastern and western regions is effectively solved, making the comparative results more persuasive. The study found that the government should focus on the depth of investment in inclusive finance in the areas of payment, investment, and credit, encourage the development of indicators that can promote the positive development of inclusive finance, and thus achieve the deep development of inclusive finance, and promote regional economic growth.