普惠金融减缓农村贫困的机理分析与实证检验

发布时间：2018-01-02 18:07

本文关键词：普惠金融减缓农村贫困的机理分析与实证检验　出处：《西北农林科技大学学报(社会科学版)》2017年03期 　论文类型：期刊论文

【摘要】：阐释普惠金融减贫机理、测度普惠金融发展水平、评估普惠金融减贫绩效对推进中部地区金融扶贫具有重要意义。普惠金融通过金融服务对象的拓展缓解农村地区信贷约束并增加贫困农民收入,保险产品的普遍应用提升"因病致穷"等风险冲击的抵御能力,金融产品成本的削减增强农民使用金融产品的意愿和能力等途径减缓农村贫困。2005年以来中部地区普惠金融发展水平得到明显提升,其综合指数、广度指数和深度指数的均值分别由2005年的0.349、0.284和0.510提升到2014年的0.850、0.898和0.727。在1%置信水平上,普惠金融综合指数和广度指数每提升1个百分点,农村贫困率分别下降0.151和0.122个百分点,普惠金融深度指数的回归系数为负但并不显著。可通过加快发展农村中小型金融机构和农村保险等措施来提升普惠金融服务的广度。
[Abstract]:Interpretation of inclusive financial poverty reduction mechanism, the measure of inclusive financial development level, evaluation of inclusive financial poverty reduction performance is of great significance to promote the central region financial poverty. By expanding the inclusive financial financial services in rural areas and alleviate the credit constraint of poor farmers to increase their income, insurance products widely used to enhance the risk of illness caused by poor impact resistance the ability of financial products, cost reduction to enhance the willingness and ability of farmers to use financial products and other ways to alleviate rural poverty since the.2005 central region inclusive financial development level has improved significantly, the comprehensive index, mean breadth index and depth index respectively from 2005 0.510 to 2014 0.349,0.284 and 0.850,0.898 and 0.727. at 1% confidence level each of the 1 percentage point increase, inclusive financial index and breadth index, rural poverty rate decreased by 0.151 and 0.122 respectively. The regression coefficient of inclusive financial depth index is negative but not significant. We can speed up the development of rural small and medium-sized financial institutions and rural insurance measures to enhance the breadth of inclusive financial services.

【作者单位】：西北农林科技大学经济管理学院;信阳师范学院商学院;
【基金】：国家自然科学基金项目(71373205) 河南省哲学社会科学规划基金项目(2015BJJ023) 河南省教育厅科学技术研究重点项目(14A790017)
【分类号】：F323.8;F832
【正文快照】： 引言金融扶贫是重要的扶贫攻坚政策措施。《中国农村扶贫开发纲要(2011-2020年)》指出“积极推动贫困地区金融产品和服务方式创新,努力满足扶贫对象发展生产的资金需求”;十三五规划提出“发挥政策性金融、开发性金融、商业性金融和合作性金融的互补作用,整合各类扶贫资源,开

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