中国普惠金融的减贫效应
发布时间：2018-11-18 19:05
【摘要】：现有研究对普惠金融减缓贫困的促进作用进行了积极探索,却没有实证中国普惠金融减贫效应的经验研究。本文基于贫困家庭空间结构视角,构建一个理论分析框架,揭示了普惠金融减缓贫困的内在逻辑。理论模型分析表明,享受到普惠金融服务的贫困家庭可以跨过贫困线转变为非贫困家庭;而未享受到普惠金融服务的贫困家庭陷入"贫困陷阱"。在此基础上,基于中国31个省域2005—2014年的面板数据,运用系统GNM估计方法实证中国普惠金融的减贫效应。综合来看,中国普惠金融发展存在着显著的减贫效应;分维度来看,和银行网点密度、银行从业人员密度相比,贷款密度的减贫效应更大。因此,应更好地发挥普惠金融在减缓贫困中的积极作用,适度侧重发挥贷款服务普惠的减贫效应。
[Abstract]:The current research has carried on the positive exploration to the inclusive finance to alleviate the poverty function, but there is no empirical research on the empirical study of the poverty reduction effect of the inclusive finance in China. Based on the perspective of the spatial structure of poor families, this paper constructs a theoretical analysis framework to reveal the intrinsic logic of inclusive finance to alleviate poverty. Theoretical model analysis shows that poor families with inclusive financial services can cross the poverty line into non-poor families, while poor families without inclusive financial services fall into the "poverty trap". Based on the panel data of 31 provinces in China from 2005 to 2014, the poverty reduction effect of inclusive finance in China is demonstrated by using systematic GNM estimation method. On the whole, the development of inclusive finance in China has a significant effect on poverty reduction. In terms of dimensions, the poverty reduction effect of loan density is greater than that of bank network density and bank employee density. Therefore, we should give full play to the positive role of inclusive finance in poverty alleviation and give full play to the poverty reduction effect of inclusive loan services.
【作者单位】： 中央财经大学金融学院;安徽财经大学金融学院;安徽财经大学金融创新研究中心;
【基金】：国家社会科学基金重大项目“金融排斥、金融密度差异与信息化普惠金融体系建设研究”(14ZDA044) 中央财经大学博士生重点选题支持计划项目的资助
【分类号】：F832
[Abstract]:The current research has carried on the positive exploration to the inclusive finance to alleviate the poverty function, but there is no empirical research on the empirical study of the poverty reduction effect of the inclusive finance in China. Based on the perspective of the spatial structure of poor families, this paper constructs a theoretical analysis framework to reveal the intrinsic logic of inclusive finance to alleviate poverty. Theoretical model analysis shows that poor families with inclusive financial services can cross the poverty line into non-poor families, while poor families without inclusive financial services fall into the "poverty trap". Based on the panel data of 31 provinces in China from 2005 to 2014, the poverty reduction effect of inclusive finance in China is demonstrated by using systematic GNM estimation method. On the whole, the development of inclusive finance in China has a significant effect on poverty reduction. In terms of dimensions, the poverty reduction effect of loan density is greater than that of bank network density and bank employee density. Therefore, we should give full play to the positive role of inclusive finance in poverty alleviation and give full play to the poverty reduction effect of inclusive loan services.
【作者单位】： 中央财经大学金融学院;安徽财经大学金融学院;安徽财经大学金融创新研究中心;
【基金】：国家社会科学基金重大项目“金融排斥、金融密度差异与信息化普惠金融体系建设研究”(14ZDA044) 中央财经大学博士生重点选题支持计划项目的资助
【分类号】：F832
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