微型金融发展抑制还是促进了贫困减少——来自江西省的经验数据  

Does the Develpment of Microfinance Restrain or Promote Poverty Reduction:A Study Based on the Empirical Data of Jiangxi Province

作　　者：周才云[1] 李伟[1] Zhou Caiyun;Li Wei(School of Economics and Management,East China Jiaotong Unoversity,Nanchang 330013,Jiangxi Province,China)

机构地区：[1]华东交通大学经济管理学院

出　　处：《征信》2019年第8期71-76,共6页Credit Reference

基　　金：国家社会科学基金项目（16BJL108)

摘　　要：运用江西省1986-2017年的年度数据,分析微型金融发展对贫困减少的影响效应。结果显示:影响江西贫困减少的不仅仅是微型金融发展规模,还有微型金融发展效率;长期来看,微型金融发展规模有助于贫困减少,微型金融发展规模每提高1%,贫困水平就下降0.2386%;短期来看,微型金融发展规模和发展效率并没有带来贫困的减少,反而具有微弱的抑制作用。因此,要进一步深化微型金融体制改革,优化微型金融存贷结构,使之成为农村减贫的有效途径。Based on the annual data of Jiangxi province from the year 1986 to 2017,this article analyzes the effect of the development of microfinance on poverty reduction and obtains three findings:both the scale and efficiency of the development of microfinance influence the poverty reduction of Jiangxi province;in the long run,the development scale of microfinance helps to reduce poverty,with every one percentage increase in the development scale of microfinance,the poverty level will fall by 0.24%;in the short run,the development scale and efficiency of microfinance do not bring about poverty reduction, but have weak restraining effect. Therefore,we should further deepen the institutional reform of microfinance and optimize the deposit and loan structure of microfinance,making it an effective way of reducing rural poverty.

关 键 词：金融扶贫 微型金融发展 贫困减少 经济增长 

分 类 号：F832.3[经济管理—金融学] F323