普惠金融对农村教育贫困的纾解效应  

The Alleviation Effect of Inclusive Finance on Rural Education Poverty

作　　者：徐小阳[1,2] 李洁 金丽馥 Xu Xiaoyang;Li Jie;Jin Lifu

机构地区：[1]江苏大学财经学院 [2]江苏大学产业经济研究院 [3]江苏大学马克思主义学院

出　　处：《中国农村经济》2020年第9期41-64,共24页Chinese Rural Economy

基　　金：国家社科基金项目“乡村治理体系现代化的影响因素与保障机制研究”(编号:020BJL075)的资助。

摘　　要：自2007年8月财政部、教育部、国家开发银行联合开展"生源地信用助学贷款"以来,普惠金融便成为纾解农村教育贫困的重要举措。本文首先分析了普惠金融纾解农村教育贫困的理论机制,然后基于农村教育贫困广度、深度、强度三个维度,运用动态空间杜宾模型,实证研究了普惠金融对农村教育贫困的纾解效应。研究结果表明:普惠金融能够显著纾解农村教育贫困的广度、深度及强度,且长期纾解效应呈现出倒"U"型的非线性变化趋势,同时普惠金融对农村教育贫困广度、深度、强度的纾解均存在空间溢出效应;随着农村家庭教育投资和农村经济发展水平的提高,普惠金融对农村教育贫困的边际纾解效应会被削弱;通过测度普惠金融对农村教育贫困时域和空域短期、长期直接效应和间接效应,进一步证实了农村家庭教育投资和农村经济发展水平会削弱普惠金融对农村教育贫困的边际纾解效应。Since the Ministry of Finance, the Ministry of Education, and China Development Bank jointly launched the "credit student loan in the place of origin" in August 2007, inclusive finance has become an important measure to alleviate poverty in rural education. This article analyzes the theoretical mechanism of inclusive finance to alleviate rural education poverty and empirically studies the alleviation effect of inclusive finance on rural education poverty based on the three dimensions of rural education poverty breadth, depth, and intensity. The results show that inclusive finance can significantly alleviate the breadth, depth and intensity of rural education poverty, and the long-term relief effect presents an inverted U-shaped non-linear change trend. At the same time,inclusive finance has a space spillover effect on the breadth, depth and intensity of rural education poverty relief. With the improvement of rural family education investment and rural economic development level, the marginal relief effect of inclusive finance on rural education poverty will be weakened. By measuring the short-term, long-term direct and indirect effects of inclusive finance on rural education poverty in time domain and spatial domain, it further confirms that rural family education investment and rural economic development level will weaken the marginal relief effect of inclusive finance on rural education poverty.

关 键 词：普惠金融 农村教育贫困 时域直接效应 空域直接效应 

分 类 号：F328[经济管理—产业经济] F832.35