金融扶贫、行为心理与区域性贫困陷阱——精准识别视角下的扶贫机制设置

发布时间：2018-01-06 18:23

本文关键词：金融扶贫、行为心理与区域性贫困陷阱——精准识别视角下的扶贫机制设置　出处：《西南民族大学学报(人文社科版)》2017年02期 　论文类型：期刊论文

【摘要】：随着30多年改革开放的深入推进,我国扶贫工作取得了巨大成绩。但过去的扶贫模式大多依赖财政投入来改变贫困地区的环境,金融方式在扶贫工作中的运用并不到位,更没有注重贫困人群行为心理的改变,尤其是少数民族特有的文化和心理诉求等很容易被忽视。而行为经济学理论认为贫穷有与其相应的行为特质,扶贫应该且必须考虑贫困人群的行为心理。基于此,本文借用心理账户理论分析了贫困人群的金融心理特质,结合区域性“贫困陷阱”假说阐述了金融扶贫的正负效应,研究认为:金融精准扶贫需要建立横向和纵向的金融联动机制,才能实现贫困人群收入增长的良性循环。同时,本文进一步依托行为经济学理论,从金融信贷、金融储蓄和移动金融等三个方面对我国金融精准扶贫行为进行了机制设置,并提出了相关的配套政策建议。
[Abstract]:With the deepening of reform and opening up for more than 30 years, great achievements have been made in poverty alleviation in China. However, most of the past poverty alleviation models rely on financial input to change the environment in poor areas. The use of financial methods in poverty alleviation work is not in place, much less pay attention to the poor people's behavior and psychological changes. In particular, the unique cultural and psychological demands of ethnic minorities are easy to be ignored, while the theory of behavioral economics holds that poverty has the corresponding behavioral characteristics. Poverty alleviation should and must consider the behavioral psychology of the poor. Based on this, this paper analyzes the financial psychological characteristics of the poor by using the psychological account theory. Combined with the regional "poverty trap" hypothesis, this paper expounds the positive and negative effects of financial poverty alleviation, and concludes that financial precision poverty alleviation needs to establish horizontal and vertical financial linkage mechanism. In order to realize the virtuous circle of income growth of poor people, this paper further relies on the theory of behavioral economics, from the financial credit. Financial savings and mobile finance are the three aspects of the financial precision poverty reduction in China for the establishment of mechanisms, and put forward the relevant policy recommendations.
【作者单位】：重庆大学经济与工商管理学院;
【分类号】：F323.8
【正文快照】： 随着改革开放的深入推进,尤其是自农村实施家庭联产承包责任制以来,我国依托于近40年经济的快速增长,成功实现减贫6.6亿人,全国贫困人口已从1978年的30%降至2015年的5.7%,扶贫工作成效显著。1另据2015年国家统计局数据显示,按我国现行标准,目前仍有贫困人口7000万左右。十八大

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