授人以渔:金融精准帮扶与农户金融行为响应  

Teaching People to Fish:Targeted Poverty Alleviation of Finance and Farmers′Financial Behavioral Response

作　　者：王庆安[1] 张华[1] WANG Qing-an;ZHANG Hua(Business School,Xiangtan University,Xiangtan,Hunan 411105,China)

机构地区：[1]湘潭大学商学院,湖南湘潭411105

出　　处：《湘潭大学学报（哲学社会科学版）》2023年第2期107-113,共7页Journal of Xiangtan University:Philosophy And Social Sciences

基　　金：湖南省社会科学成果评审委员会重点课题“2020年后我省贫困产生机理与防控机制研究”(XSP20ZDI003)。

摘　　要：2020年我国消除绝对贫困后,金融扶贫更加注重“造血式”的精准帮扶,倾向于提升农村金融服务的能力和水平,授人以渔而非授人以鱼。基于中国家庭金融调查(CHFS)数据库,截取2013—2019年4期微观面板数据,通过构造双重差分模型(DID)来检验金融精准帮扶政策对农户金融行为响应的影响程度,并深入探究其后的作用机制。研究发现,金融精准帮扶政策通过降低农户陷入贫困脆弱状态的概率、缓解农户的风险厌恶态度、提升农户的个体金融素养显著提高了农户金融行为响应的概率、广度和深度,且对人力资本较高的农户影响更甚。研究结果为评估金融精准帮扶政策的效果提供新视角,为防返贫政策与时俱进提供理论支撑。After China eliminated absolute poverty in 2020,financial poverty alleviation will turn to consolidating the effective connection between the achievements of poverty alleviation and rural revitalization,with more attention paid to targeted poverty alleviation of self-reliance and squinting towards the improvement of the ability and level of rural financial services.Based on the CHFS database,we have constructed a DID model to test the impact of financial poverty alleviation on farmers′financial behavioral response.Through research,we find that the targeted poverty alleviation of finance significantly improves the probability,breadth and depth of farmers′financial behavioral response by reducing the probability of falling into poverty and vulnerability,alleviating farmers′attitude of risk aversion,and improving farmers′individual financial literacy.The research results provide a new perspective for evaluating the effect of financial poverty alleviation,and provide theoretical support for the anti-poverty policy to keep pace with time.

关 键 词：金融精准帮扶 金融行为响应 双重差分法 

分 类 号：F323[经济管理—产业经济]