农村减贫的金融支撑:传统普惠金融还是数字普惠金融  

Financial Support for Poverty Reduction in Rural China:Traditional Inclusive Finance or Digital Inclusive Finance?

作　　者：逯海勇 李琳[1] 宋培 LU Hai-yong;LI Lin;SONG Pei(School of Economics,Nankai University,Tianjin 300071,China)

机构地区：[1]南开大学经济学院,天津300071

出　　处：《商业研究》2023年第2期135-144,共10页Commercial Research

基　　金：教育部哲学社会科学研究重大课题攻关项目“新时代区域协调发展战略研究”,项目编号:20JZD028;天津市研究生科研创新项目“数字技术驱动经济结构优化转型的内在机理、效应评估与政策创新”,项目编号:2021YJSB037。

摘　　要：全面建成小康社会后,新时期扶贫工作的重点将从消除绝对贫困向缓解相对贫困转变。本文在概念辨析基础上,阐述了传统普惠金融与数字普惠金融减缓农村相对贫困的作用机理及异质性,并采用中国家庭动态跟踪调查(CFPS)数据,实证检验传统普惠金融与数字普惠金融两种普惠金融形态对农村相对贫困减缓的具体影响。研究发现,传统普惠金融与数字普惠金融均有助于减缓农村相对贫困,但传统普惠金融在农村减贫中发挥的作用更大;进一步分析表明,用户认知能力及个人终端要求是限制数字普惠金融有效发挥减贫作用的重要因素。After building a moderately prosperous society,the focus of poverty alleviation in the new era will change from eliminating absolute poverty to alleviating relative poverty.Based on the conceptual analysis,this paper describes the mechanism and heterogeneity of the role of traditional and digital inclusive finance in alleviating rural relative poverty,and empirically examines the specific effects of both traditional and digital inclusive finance on alleviating rural relative poverty using data from the China Household Dynamics Tracking Survey(CFPS).The study shows that both traditional and digital inclusive finance contribute to the alleviation of rural relative poverty,and that traditional inclusive finance plays a greater role in rural poverty reduction;further analysis shows that customer cognitive endowment and individual terminal requirements are important factors limiting the effective role of digital inclusive finance in poverty reduction.This study provides empirical evidence and policy implications for the government to promote inclusive finance to alleviate rural relative poverty.

关 键 词：传统普惠金融 数字普惠金融 相对贫困 

分 类 号：F328[经济管理—产业经济] F832.0