金融可得性、经济机会与贫困减缓——基于四川集中连片特困地区扶贫统计监测县级门限面板模型的实证分析

发布时间：2018-05-27 06:16

本文选题：金融发展 + 金融可得性　；参考：《财贸研究》2017年04期

【摘要】：基于信贷需求内生的视角,引入信贷约束和经济机会构建理论模型,分析金融发展、经济机会与贫困减缓的关系,并利用门限面板模型对四川集中连片特困地区扶贫统计监测县进行实证检验,结果表明:金融发展和金融可得性对平均收入改善具有显著积极作用,但金融发展和金融可得性并未体现出显著的益贫性,经济机会对于农村人均纯收入提升和低收入人口数量减少均具有显著积极效应。贫困人口经济机会的缺乏将导致贫困人口生产性信贷需求不足,除非个人随机能力足够强,或者不存在消费信贷,否则贫困人口的收入将因消费信贷而停止增长,甚至体现为负增长。因此,在全面建成小康社会和扶贫攻坚阶段,改善农村经济机会是比盯住金融发展更为精准的减贫目标设定方式。"金融撬动"应该更倾向于瞄准对贫困人口能力和经济机会的撬动,并在金融扶贫过程中从信贷供给和需求两个方面进行疏导和改善,增加贫困人口实际可得的信贷匹配。
[Abstract]:Based on the endogenous perspective of credit demand, this paper introduces credit constraints and economic opportunities to build a theoretical model to analyze the relationship between financial development, economic opportunities and poverty alleviation. Using the threshold panel model to test the poverty alleviation statistical monitoring counties in the special poverty areas of Sichuan Province, the results show that financial development and financial availability have a significant positive effect on the improvement of average income. However, financial development and financial availability do not reflect significant poverty, and economic opportunities have a significant positive effect on the increase of per capita net income in rural areas and the decrease in the number of low-income population. The lack of economic opportunities for the poor will result in insufficient demand for productive credit for the poor, whose income will cease to grow as a result of consumer credit unless individuals are sufficiently capable of random access or there is no consumer credit. Even negative growth. Therefore, in the period of building a well-off society in an all-round way and tackling poverty relief, improving rural economic opportunities is a more precise way of setting poverty reduction targets than focusing on financial development. " Financial crowning "should be more focused on the ability of the poor and economic opportunities to leverage, and in the process of financial poverty alleviation from the two aspects of credit supply and demand to channel and improve, increase the actual availability of credit for the poor matching."
【作者单位】：西南民族大学经济学院;西南民族大学西南民族研究院;
【基金】：国家社科基金青年项目“民族地区实现2020年减贫目标的距离估算与精准扶贫政策研究”(15CMZ029) 四川省教育厅人文社科重点研究基地西南减贫与发展研究中心2017年度重点项目“四川集中连片特困地区金融扶贫绩效改善路径研究” 西南民族大学应用经济学学位点项目(XWD-2014S0202)的支持
【分类号】：F126;F832.7

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