粟芳,方蕾

• 1:上海财经大学 金融学院，上海 200433

摘要(Abstract)：

文章基于2015年上海财经大学“千村调查”，从大概念的普惠金融角度，用渗透度、使用度和效用度衡量普惠金融，用政策扶持、基层工作和基础设施衡量政府作为，分析了政府作为对普惠金融的影响及地区差异。研究发现，东部农村普惠金融发展最好，西部农村政府最有作为；普惠金融的核心应是提高金融服务的使用度，尤其是银行业务的使用度；有为政府应是全方位有所作为；政府的积极作为能显著促进普惠金融发展，但以带门槛补贴为主的政策扶持并不有效，应慎用；在普惠金融发展中，西部地区政府应加强金融基础设施建设并提高政策扶持力度，东中部地区政府则应夯实基层工作。

关键词(KeyWords)： 普惠金融;有为政府;地区差异;Oaxaca-Blinder分解

Abstract:

Keywords:

基金项目(Foundation):

作者(Author): 粟芳,方蕾

DOI: 10.16538/j.cnki.jfe.2016.12.007

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