金融服务减缓农户多维相对贫困分析  

Analysis of Financial Services to Alleviate Multi-Dimensional Relative Poverty of Rural Households

作　　者：杨明婉 张乐柱[2] 颜梁柱 YANG Mingwan;ZHANG Lezhu;YAN Liangzhu(School of Finance and Investment,Guangdong University of Finance,Guangzhou 510642,China;College of Economics and Management,South China Agricultural University,Guangzhou 510640,China;CPC Publicity Department,Guangdong University of Foreign Studies,Guangzhou 510420,China)

机构地区：[1]广东金融学院金融与投资学院,广东广州510642 [2]华南农业大学经济管理学院,广东广州510640 [3]广东外语外贸大学党委宣传部,广东广州510420

出　　处：《经济与管理》2023年第6期22-29,共8页Economy and Management

基　　金：广东省2023年度哲学社会科学“十三五”规划学科共建项目(GD23XYJ38);广东省社科规划基金一般项目(GD21CYJ11);广东省社科规划2022“双区和两个合作区”研究专项(GD22SQGL01)。

摘　　要：使用中国家庭金融调查2017年数据,实证分析多种金融服务模式对农户多维相对贫困的影响。研究发现:第一,传统正规金融模式与数字金融模式能够显著缓解农户多维相对贫困,而民间金融模式中有息贷款加剧了农户多维相对贫困。第二,相对贫困程度较低的农户受到传统正规金融的减贫效应更为显著,相对贫困程度较高的农户受到数字金融的减贫效应更为显著。第三,从中介机制来看,传统正规金融和数字金融通过影响农户创业、非农就业,进一步缓解农户相对贫困。This paper uses 2017 household financial survey data to analyze the influence of multiple financial service models on the multi-dimensional relative poverty of rural households.Firstly,the traditional formal financial model and digital financial model can significantly alleviate the multi-dimensional relative poverty of farmers,while the interest-bearing loan of the private finance model in-tensifies the multi-dimensional relative poverty of farmers;Secondly,farmers with lower relative poverty level has a more significant poverty reduction effect from traditional formal finance,while farmers with higher relative poverty level have more significant poverty re-duction effect from digital finance.Thirdly,from the perspective of intermediary mechanisms,traditional formal finance,and digital fi-nance can further alleviate the relative poverty of farmers by affecting entrepreneurship and non-agricultural employment.

关 键 词：正规金融 数字金融 民间金融 多维相对贫困 

分 类 号：F832.4[经济管理—金融学]