农村金融排斥与中国相对贫困减缓——基于省级数据的实证分析  

Rural Financial Exclusion and Relative Poverty Alleviation in China——Empirical Analysis Based on Provincial Data

作　　者：吴华敏 杨兴洪[1] WU Hua-min;YANG Xing-hong(School of Economics,Guizhou University,Guiyang 550025)

机构地区：[1]贵州大学经济学院,贵州贵阳550025

出　　处：《南方农村》2022年第2期33-38,共6页South China Rural Area

基　　金：2020贵州省高校人文社会科学研究项目“贵州世居少数民族金融扶贫研究”(2020SSD010)。

摘　　要：基于2011—2019年全国省级面板数据,从实证角度分析我国农村金融排斥对相对贫困的影响机制。研究发现,地理排斥、评估及条件排斥和营销排斥都对农村相对贫困产生显著影响。其中,地理排斥对我国相对贫困发生率具有正向影响,而评估及条件排斥、营销排斥则在一定程度上显著缓解了农村地区的相对贫困水平。此外,根据回归模型的实证结果来看,教育发展水平、城乡收入差距、产业结构等非金融因素的影响也达显著水平。因此,发展教育、缩小城乡差距及降低产业结构等对缓解我国相对贫困也具有重要作用。Based on the national provincial panel data from 2011 to 2019,this paper empirically analyzes the impact mechanism of Rural Financial Exclusion on relative poverty in China.The study found that geographical exclusion,evaluation and condition exclusion and marketing exclusion can have a significant impact on rural relative poverty.Among them,geographical exclusion has a positive impact on the incidence of relative poverty in China,while evaluation,conditional exclusion and marketing exclusion have significantly alleviated the relative poverty level in rural areas to a certain extent.In addition,according to the empirical results of the regression model,non-financial factors such as education development level,urban-rural income gap and industrial structure are also significant.Therefore,developing education level,narrowing the urban-rural gap and reducing industrial structure also have an important impact on alleviating China’s relative poverty level.

关 键 词：农村金融排斥 相对贫困 固定效应 

分 类 号：F832.35[经济管理—金融学]