农村非正规金融发展的多维减贫效应研究——基于门槛面板数据的实证分析  

Study on Multidimensional Poverty Reduction Effect of Informal Rural Financial Development:Based on Actual Analysis of Threshold Panel Data

作　　者：张梦缘[1] 宋坤[1] 谌希[1] 汪璐[1] Zhang Mengyuan Song Kun Chen Xi Wang Lu(College of Finance, Sichuan Agriculture University, Sichuan Chengdu 611130)

机构地区：[1]四川农业大学经济学院,四川成都611130

出　　处：《金融发展研究》2017年第4期80-85,共6页Journal Of Financial Development Research

基　　金：四川省教育厅重点项目"协同视角下四川普惠性农村金融机构;产品与服务创新研究"(16SA0009);国家级大学生创新创业训练计划项目"农村非正规金融对农户生产性收入影响的实证分析"的资助

摘　　要：本文利用2008—2015年全国30个省份的面板数据,采用门槛回归模型研究农村非正规金融发展对收入、教育、医疗等多维度贫困的非线性影响。结果显示,农村非正规金融对这三个维度贫困均存在显著的非线性影响关系:对收入贫困由不显著负面作用转为显著的正面作用,对教育贫困由不显著转为显著的正面作用,对医疗贫困的正面作用由较弱发展为显著。此外,财政支农、农村固定资产投资和农村正规金融都存在一个或多个维度的减贫作用,其中财政支农减贫效果最好。The author utilizes panel data of 30 provinces from 2008 to 2015 and employs threshold regression mod- el to study nonlinear effect on income, education and medical treatment brought by informal rural financial develop- ment. Result shows significant nonlinear influence on the relations among the three dimensions of poverty. Its influence on income poverty has turned to significantly positive one from an insignificantly negative one. And for education poverty, it＇s switched from an insignificantly influence to a significantly positive influence. For medical treatment poverty, it＇s switched from a less positive influence to a significantly positive influence. Apart from this, financial support for agriculture, rural areas and farmers fixed asset investment in rural area as well as formal finance has an effect on poverty reduction in one or more dimensions. Among the three, financial support for agriculture, rural areas and farm has the best effect on poverty reduction.

关 键 词：农村非正规金融 多维减贫 非线性关系 面板门槛 

分 类 号：F832.35[经济管理—金融学]