农村民间借贷的减贫效应研究——基于健康冲击视角的分析  

The Effects of Private Lending on Rural Poverty:In the perspective of Health Incident Shock

作　　者：许庆[1] 刘进[1] 杨青[1] 

机构地区：[1]上海财经大学财经研究所

出　　处：《中国人口科学》2016年第3期34-42,127,共9页Chinese Journal of Population Science

基　　金：上海财经大学国家地方战略问题研究项目"进城农民的农地退出机制研究;改革路径设计及相关政策评估"(编号:2015110976)的阶段性成果

摘　　要：目前因病致贫已成为中国农村贫困的突出问题,如何缓解农民的因病致贫是精准扶贫的工作重点之一。文章利用2010和2012年"中国家庭追踪调查"(CFPS)数据,从贫困发生率和贫困脆弱性两方面讨论了健康冲击下民间借贷(特指零利息亲朋间借贷)对农民贫困的影响。结果发现,尽管民间借贷缓解了农民应对疾病风险的资金压力,在一定程度上有利于降低贫困发生率,却会造成农民未来发生贫困的可能性(贫困脆弱性)增加。因此,文章认为,在今后的扶贫减贫政策安排上,一是要加大健康卫生投入,改善农民的健康福利状况;二是需要引导民间借贷合法化、规范化,发挥民间借贷在精准扶贫上的重要作用;三是采取促进农村劳动力向非农产业转移、提高农业生产经营效益等措施,拓宽农民增收渠道。How to reduce illness- related poverty is a major task in China's targeted poverty alleviation. Using China Family Panel Studies(CFPS) 2010 and 2012 survey data, this paper empirically studies effects of private lending(especially zero interest loan) on rural poverty alleviation in views of incidence and vulnerability to poverty due to a major illness. The results show that,although private lending can reduce the incidence rate of poverty by coping with peasants' healthcare burden to a certain extent,it will increase the vulnerability to poverty later. Therefore, some measures about poverty reduction such as government investment, management of private lending and peasants' income expanding need to be taken.

关 键 词：健康冲击 民间借贷 减贫 贫困发生率 贫困脆弱性 

分 类 号：F832.43[经济管理—金融学] F323.8