金融服务可得性的增收与减贫效应评估——基于“金惠工程”基线调查数据的分析  

Evaluation on the Effect of Financial Service Availability on Income Increase and Poverty Reduction:Analysis of Baseline Survey Data Based on"Jinhui Project"

作　　者：张传娜 耿传辉[1,2] ZHANG Chuanna;GENG Chuanhui(Changchun Finance College,Changchun,Jilin 130028;Jilin Province Rural Finance Reform Research Center,Changchun,Jilin 130028)

机构地区：[1]长春金融高等专科学校,吉林长春130028 [2]吉林省农村金融改革研究中心,吉林长春130028

出　　处：《长白学刊》2020年第5期107-116,共10页Changbai Journal

基　　金：吉林省教育厅“十三五”社会科学研究项目"基于共生理论的吉林省乡村振兴与普惠金融发展路径研究"(JJKH20191341SK);中国金融教育发展基金会“开展金融知识普及教育支持乡村振兴的路径探索”(19cfdfezx04);吉林省教育厅职业教育与成人教育教学改革研究课题"吉林省高等职业教育与区域经济协调发展机制研究"(2019ZCY241)。

摘　　要：利用2017年大兴安岭南麓集中连片特困区"金惠工程"基线调查数据,对金融服务可得性的增收效应和减贫效应进行实证分析。研究表明:从总体上说,提高农户金融服务可得性能够显著增加农户收入。但是,对贫困农户和非贫困农户的影响程度差别较大。尤其是对不同的贫困分类标准,这种影响差别更大。提高金融服务可得性能够显著提高非贫困农户的收入,而对于低收入的贫困农户,不但不能起到增加收入的作用,反而会抑制这些农户收入水平的提高。金融服务可得性的减贫效应受贫困的分类标准影响较大。提高金融服务可得性会提高建档立卡贫困发生的概率,但却可以显著降低收入贫困的发生概率。由于建档立卡贫困户的识别过程可能存在"精英俘获"的问题,瞄准失误率较高,而收入贫困的识别标准更客观,建议应重点采用收入贫困的分析结果,即提高金融服务可得性可显著降低贫困发生概率,减贫效应显著。Based on the 2017 baseline survey data of"Jinhui project"in the southern part of Daxing’anling,this paper makes an empirical analysis on the income increasing effect and poverty reducing effect of the availability of financial services.The results show that:On the whole,improving the availability of financial services can significantly increase the income of farmers.However,the impact on poor and non poor farmers is quite different.Especially for different poverty classification standards,the impact is more different.The availability of financial services can significantly improve the income of non poor farmers,but for low-income poor farmers,the availability of financial services can not play a role in increasing income,but inhibits the improvement of these farmers’income level.The poverty reduction effect of the availability of financial services is greatly influenced by the poverty classification standard.The availability of financial services can significantly improve the probability of poverty in filing,but it can significantly reduce the probability of income poverty.Due to the problem of"elite capture"in the identification process of poor households in filing,the error rate of targeting is high,and the identification standard of income poverty is more objective.It is suggested that we should focus on the analysis results of income poverty,that is,improving the availability of financial services can significantly reduce the probability of poverty,and the effect of poverty reduction is significant.

关 键 词：普惠金融 脱贫攻坚 金融服务可得性 连片特困区 

分 类 号：F832[经济管理—金融学]