西北民族地区普惠金融减贫效应实证研究  

An Empirical Study on the Poverty Alleviation Effects of Inclusive Finance in the Northwest Ethnic Regions

作　　者：方来 李芳霆 FANG Lai;LI Fang-ting(School of Finance,Lanzhou University of Finance and Economics,Lanzhou 730020,China)

机构地区：[1]兰州财经大学金融学院,甘肃兰州730020

出　　处：《兰州财经大学学报》2024年第3期18-28,共11页Journal of Lanzhou University of Finance and Economics

基　　金：甘肃省软科学项目“数字经济驱动甘肃高质量发展的机制与路径研究”(23JRZA431)。

摘　　要：我国大力发展普惠金融,旨在通过为低收入人群、中小微企业等弱势群体提供优质且实惠的金融服务,提高弱势群体的自我发展能力,从而达到减缓贫困的目的。针对我国西北民族地区地域特点,开展区域普惠金融发展现状及普惠金融对贫困减缓作用机理的研究,有助于西北民族地区的普惠金融发展迈上新台阶。以2011—2021年西北27个民族地区市州级面板数据为样本,通过构建普惠金融发展水平评价指标体系实证研究西北民族地区普惠金融发展与减贫之间的关系,实现对西北民族地区经济发展和实现减贫效应的赋能。同时,也为其他民族地区如何通过发展普惠金融实现减贫效应提供借鉴范式。China has actively been developing inclusive finance to offer quality and affordable financial services to vulnerable groups,such as low-income populations,micro,small and medium-sized enterprises,to enhance their self-development capabilities and achieve poverty alleviation.This study focuses on the regional characteristics of the northwest ethnic areas,analyzing the current development of inclusive finance and its mechanisms for poverty alleviation,to advance the inclusive finance in these regions.Using prefecture-level panel data from 27 ethnic regional cities in Northwest China from 2011 to 2021,the study establishes an evaluation index system for inclusive finance development and empirically examines the relationship between inclusive finance development and poverty reduction.It demonstrates the promotional effects of inclusive finance on economic development and poverty alleviation in the northwest ethnic areas.Furthermore,it offers a model for other ethnic regions on leveraging inclusive finance for poverty alleviation.

关 键 词：普惠金融 减贫 西北民族地区 

分 类 号：F832.7[经济管理—金融学] F136