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甘肃省各地区普惠金融发展水平测度及影响因素研究 Title:AStudyontheMeasurementofInclusiveFinancialDevelopmentLevelandInfluencingFactorsinVariousRegionsofGansuProvince Introduction: Inclusivefinancialdevelopmentplaysavitalroleinpromotingeconomicgrowthandreducingpoverty.Itensuresthatindividuals,particularlythoseinunderservedareas,haveaccesstofinancialservices,whichcansupportentrepreneurship,investment,andimprovelivingstandards.GansuProvince,locatedinNorthwesternChina,isanareacharacterizedbydiverseeconomicactivitiesandvaryingdegreesoffinancialaccessibility.ThisstudyaimstomeasurethedevelopmentofinclusivefinanceacrossdifferentregionsinGansuProvinceandidentifythekeyfactorsinfluencingitsprogress. 1.MeasurementofInclusiveFinancialDevelopmentLevel: TomeasuretheinclusivefinancialdevelopmentlevelinGansuProvince,severalindicatorscanbeconsidered: a.FinancialServiceAccessibility:Thisindicatorexaminestheavailabilityandproximityoffinancialserviceinstitutions,includingbanks,micro-creditagencies,andinsurancecompaniesineachregion.Thenumberofbankingbranchespercapita,thepresenceofmobilebankingservices,andtheaccessibilityofATMscanbeusedtoassesstheconvenienceoffinancialservices. b.FinancialInclusion:Thisindicatormeasurestheproportionofindividualswhohaveaccesstoformalfinancialservices,suchasbankaccounts,loans,andinsurance.Thenumberofindividualswithbankaccounts,therateofloanpenetration,andtheusageofinsuranceproductsareusefulmetricstoevaluatefinancialinclusion. c.FinancialLiteracy:Assessingtheleveloffinancialknowledgeandunderstandingamongindividualsiscrucialtoensureeffectiveutilizationoffinancialservices.Thisindicatorcanbemeasuredthroughsurveysorteststhatevaluatefinancialknowledge,understandingofinterestrates,andcomprehensionofsavingsandinvestmentopportunities. 2.InfluencingFactorsonInclusiveFinancialDevelopment: SeveralfactorscanaffectthelevelofinclusivefinancialdevelopmentindifferentregionsofGansuProvince: a.EconomicFactors:Theeconomicdevelopmentlevelofaregioniscloselylinkedtotheavailabilityandaccessibilityoffinanc