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我国农村金融排斥影响因素的实证分析——基于条件排斥的角度.docx

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我国农村金融排斥影响因素的实证分析——基于条件排斥的角度 Title:AnEmpiricalAnalysisofFactorsInfluencingFinancialExclusioninRuralChina-AConditionalExclusionPerspective Abstract: FinancialexclusioninruralareashasbeenapersistentissueinChina,leadingtoeconomicdisparitiesandhinderingsocialdevelopment.ThispaperaimstoprovideanempiricalanalysisofthefactorsinfluencingfinancialexclusioninruralChinafromaconditionalexclusionperspective.Thestudyutilizesbothqualitativeandquantitativedatatoidentifythekeyfactorsaffectingfinancialexclusionandexplorespotentialstrategiestomitigatetheseissues. Introduction: Financialinclusionplaysacrucialroleinpromotingeconomicgrowthandreducingpoverty.However,ruralareasinChinacontinuetofacesignificantchallengesinaccessingfinancialservices,resultinginfinancialexclusion.UnderstandingtheunderlyingfactorsinfluencingfinancialexclusioniscrucialforformulatingeffectivepoliciestopromotefinancialinclusionandmitigateeconomicdisparitiesinruralChina.Thisstudyadoptsaconditionalexclusionperspectivetoidentifyandanalyzethesefactors. Methodology: Thisstudyadoptsamixed-methodresearchapproach,combiningquantitativeanalysiswithqualitativeinsights.Inthequantitativeanalysis,acomprehensivedatasetcomprisingofruralhouseholds'financialinclusionstatusandsocio-economicindicatorswillbecollected.Thecoreanalysiswillbeconductedthroughregressionanalysis,investigatingtherelationshipsbetweenvariousfactorsandfinancialinclusion.Inthequalitativeanalysis,in-depthinterviewswillbeconductedwithkeystakeholders,includingruralhouseholds,financialinstitutions,governmentofficials,andNGOrepresentatives.Thequalitativedatawillbecodedandanalyzedthematically,providingadditionalinsightsintothefactorsinfluencingfinancialexclusion. ResultsandDiscussion: TheempiricalanalysisrevealsseveralsignificantfactorsinfluencingfinancialexclusioninruralChina.Thesefactorscanbebroadlycategorizedintodemand-sideandsupply-sidefactors. Demand-sidefactors: 1.Limitedfinancialliteracy:Thelackoffinancialliteracyamongruralhouseholdsleadstolowdemandforfinancials