普惠金融对农户家庭经济韧性的影响研究  

Research on the Impact of Financial Inclusion on the Economic Resilience of Farmer Households

作　　者：田杰 廖露 王淑敏 TIAN Jie;LIAO Lu;WANG Shumin(School of Finance,Chongqing Technology and Business University,Chongqing 400070,China;School of business administration Henan Polytechnic University,Jiaozuo 454000)

机构地区：[1]重庆工商大学金融学院,重庆400070 [2]河南理工大学工商管理学院,河南焦作454000

出　　处：《西南大学学报（社会科学版）》2024年第1期132-143,共12页Journal of Southwest University(Social Sciences Edition)

基　　金：国家社会科学基金项目“脱贫人口就业质量的测度、演化及政策研究”(21BJY088),项目负责人:黄潇。

摘　　要：采用2013-2019年中国家庭金融调查(CHFS)数据,基于非线性动力学理论及贫困陷阱理论测度农户家庭经济韧性,深入探讨普惠金融对农户家庭经济韧性的影响机制。研究发现:普惠金融有效提高了农户家庭经济韧性,普惠金融水平每提高1%,农户家庭经济韧性就提高0.4%,并且这一结果具有稳健性;普惠金融增强农户家庭经济韧性主要通过促进家庭资产积累和促进创业两条路径;异质性分析表明,普惠金融对男性户主、中青年家庭、较高人力资本、收入水平更低、位于中西部地区等特征的农户家庭经济韧性增强效果更好。Using the 2013-2019 China Household Finance Survey(CHFS)data,this study measures the economic resilience of farm households based on nonlinear dynamics theory andpoverty trap theory,and explores the effect andmechanism of financial inclusion on farm households economic resilience in depth.The study finds a robust result as follows.Financial inclusion effectively improves the economic resilience of farm households,with a 0.4%increase in household economic resilience for every 1%increase in the level of financial inclusion.Financial inclusion enhances the economic resilience of farm households mainly inthe two ways of promoting household asset accumulation and entrepreneurship.The heterogeneity analysis shows that financial inclusion is more effective in enhancing the resilience of following ones like households headed by men,households of youth and adults,households with higher human capital,households with lower income and households located in central and western regions of China.

关 键 词：普惠金融 农户家庭经济韧性 资产积累 创业 

分 类 号：F832[经济管理—金融学]