中国普惠金融发展水平及其贫困减缓效应  

Development Level of China's Inclusive Finance and its Poverty Reduction Effect

作　　者：黄秋萍 胡宗义[1] 刘亦文[2] 

机构地区：[1]湖南大学金融与统计学院,湖南长沙410079 [2]湖南商学院国际教育学院,湖南长沙410205

出　　处：《金融经济学研究》2017年第6期75-84,共10页Financial Economics Research

基　　金：教育部人文社会科学研究青年基金(15YJC790062);湖南省社会科学基金(14YBB02);湖南省哲学社会科学基金(15ZDB030)

摘　　要：利用中国31个省市2007~2015年的数据,基于面板平滑转换模型研究普惠金融发展的贫困减缓效应。研究结果表明,加上中国普惠金融发展水平的判断,普惠金融发展水平与贫困程度存在显著的非线性关系,并表现出显著的单一门槛特征。在跨越门槛值之前,普惠金融发展对贫困的影响表现为显著的抑制作用;在跨越门槛值之后,贫困减缓效应随着普惠金融发展水平的提高有所减弱,体现了边际效应递减规律。整体而言,普惠金融发展对贫困减缓产生积极的影响;同时,普惠金融发展减贫效应呈现出东强西弱的区域特征。Based on the data of China＇s 31 provinces,autonomous regions,and/or municipalities from 2007 to 2015,this paper uses the panel smooth transition regression model to study the poverty reduction effect of inclusive finance. The research results show that there exists a significant non-linear relationship between the development level of inclusive finance and the degree of poverty,and there exists an obvious single threshold. Before the threshold is surmounted,inclusive finance has a significant inhibitory effect on poverty; after the threshold is surmounted,the poverty reduction effect is rather weakened with the rise in the development level of inclusive finance,reflecting a diminishing marginal utility. Overall,inclusive finance has a positive influence on poverty reduction. Furthermore,the poverty reduction effect of inclusive finance takes on a regional characteristic known as ＂ strong in eastern regions but weak in western regions. ＂

关 键 词：普惠金融 贫困减缓 门槛效应 PSTR 

分 类 号：F832.3[经济管理—金融学]