农村非正规金融对多维资产贫困的减贫效应研究——基于CFPS微观家庭调查数据的分析  

Poverty Alleviation Effect of Rural Informal Finance on Multidimensional Asset Poverty:An Empirical Analysis Based on CFPS Micro Household Survey Data

作　　者：周强[1] 张全红 ZHOU Qiang;ZHANG Quanhong(School of Economics,Zhongnan University of Economics and Law,Wuhan 430073,China;School of Economics and Trade,Hubei University of Economics,Wuhan 430205,China)

机构地区：[1]中南财经政法大学经济学院,湖北武汉430073 [2]湖北经济学院经济与贸易学院,湖北武汉430205

出　　处：《中南财经政法大学学报》2019年第4期46-57,159,共13页Journal of Zhongnan University of Economics and Law

基　　金：国家社会科学基金项目“可行能力视角下深度贫困人口发展及精准扶贫研究”(18BJL125);中南财经政法大学中央高校基本科研业务费专项资金资助项目“新时代乡村振兴与精准扶贫战略协调推进及政策优化研究”(2722019JCT007);中南财经政法大学中央高校基本科研项目“新制度经济学与中国经济转型研究”(412/31510000048)

摘　　要：资产扶贫具有重要的主体培育和增能作用.本文在多维贫困理论和测度方法基础上构建了多维资产贫困指数,运用2012年和2014年中国家庭追踪调查(CFPS)数据,实证分析了农村家庭资产贫困的特征事实和非正规金融的多维减贫效应.研究发现:农村家庭资产缺乏现象较为普遍,无论是低收入家庭还是高收入家庭的资产积累都不理想;农村土地与住房的资产效应太弱导致高收入家庭将财富转化为住房资产时遭受了更严重的“隐性剥夺”.农村非正规金融对家庭收入与资产积累产生了显著的逆向分配作用,其更多地有利于中高收入家庭而不利于中低收入家庭多维资产贫困的减缓,由此扩大了农村中高与中低收入家庭多维资产贫困不平等程度.据此,应着手构建资产扶贫的政策体系,这对于乡村振兴及资产扶贫赋予脱贫人口持续发展能力意义重大.Asset plays an important role in alleviation poverty and fostering family development capability.Based on the multidimensional poverty theory and measurement method,this paper constructs a multi-dimensional asset poverty index,and uses the data of China Family Panel Studies (CFPS 2012-2014) to analyze the cause of asset poverty in rural families.Research shows that lack of assets in rural families is a very common phenomenon in long-term development.The asset effect of rural land and housing is too weak,so that the high-income families has suffered a more serious “hidden deprivation” in housing assets.To a large extent,there is a reverse allocation effect in income and asset accumulation.Informal finance enlarges the multidimensional asset poverty gap and its multidimensional inequality in different income levels in rural areas.The reverse allocation effects are more conducive to the accumulation of assets in middle-high income families than the middle-low income families.Finally,this paper puts forward establishing a policy system based on assets to help the poor and endow them out of poverty with the sustainable development ability.

关 键 词：资产贫困 减贫效应 精准脱贫 非正规金融 

分 类 号：F323.8[经济管理—产业经济]