解锁城市化:包容性金融与中国城市发展之间的共生关系
Qiyun Li1, Long Chen2,3,4,5,6, Tianxu Hao7
1SKK Business School, Sungkyunkwan University, 03063, Seoul, South Korea.
Heliyon
|March 11, 2024
概括
金融包容性显著推动了中国的城市化,对城市发展产生了积极的影响. 然而,收入城市化对金融包容性产生了负面影响,需要为平衡增长制定有针对性的战略.
科学领域:
- 经济学 经济学 经济学
- 城市研究 城市研究
- 金融服务 金融服务
背景情况:
- 包容性金融增强经济实体获得金融服务的机会.
- 城市化带来了独特的金融挑战,包容性金融可以解决这些挑战.
- 包容性金融作为城市发展的催化剂.
研究的目的:
- 在经验上研究金融包容与中国城市化之间的关系.
- 利用省级数据分析包容性金融对城市发展的影响.
- 确定影响这种关系的关键因素.
主要方法:
- 专家小组的数据分析分析.
- 矢量自回归 (VAR) 模型模型
- 共同整合分析的分析.
主要成果:
- 在包容性金融,城市化,政府支持和房地产开发之间存在显著的共同整合.
- 包容性金融证明了对城市化的长期积极影响.
- 人口城市化对包容性金融产生了积极的影响,而收入城市化则产生了负面影响.
结论:
- 包容性金融是中国城市化发展的关键驱动力.
- 政策建议包括扩大金融服务覆盖范围,开发有针对性的金融产品,加强政府监管.
- 需要一个平衡的方法来确保包容性金融和城市化发展是互惠的.
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