CAJ | 학술논문

金融排斥在世界范围内普遍存在，差距明显，表现不一，世界银行和国际货币基金组织对金融排斥也没有形成统一的概念和标准划分，国内对金融排斥理论的研究尚处于起步阶段。受地理环境、文化、金融改革等众多因素的影响，我国各地的金融排斥表现也参差不齐、各具特色。本文提出金融排斥概念和测度方法，并以宁夏为例，选取20个县(区、市)2001-2012年经济金融统计数据，采用面板向量自回归模型(PVAR)对金融排斥动态机制展开实证研究，测度金融排斥动态发展趋势，给出研究结论，提出政策建议。
금융배척재세계범위내보편존재，차거명현，표현불일，세계은행화국제화폐기금조직대금융배척야몰유형성통일적개념화표준화분，국내대금융배척이론적연구상처우기보계단。수지리배경、문화、금융개혁등음다인소적영향，아국각지적금융배척표현야삼차불제、각구특색。본문제출금융배척개념화측도방법，병이저하위례，선취20개현(구、시)2001-2012년경제금융통계수거，채용면판향량자회귀모형(PVAR)대금융배척동태궤제전개실증연구，측도금융배척동태발전추세，급출연구결론，제출정책건의。
Financial exclusion prevalent in the world, the gap is obvious. World Bank and IMFfor financial exclusion nor the for-mation of a unified concepts and standards division. Domestic financial exclusion theory research is still in its infancy, due to geo-graphical, cultural, financial reform, and many other factors, our country's financial exclusion also showed uneven, unique. This paper presents the concept of financial exclusion, financial exclusion indicator system to build, construct financial exclusion index measuring financial exclusion condition, Ningxia is one example. Select the 20 counties 2001-2012 annual financial statistic data, using the panel vector autoregressive model (PVAR), quantitative analysis of financial exclusion dynamics. And gives conclusions, policy recommen-dations.