驻村帮扶对农村家庭资产负债表的影响——基于六省普惠金融调查数据  

Impact of Resident Work Teams on Rural Household Balance Sheets--Base on Data from the Six Province Inclusive Financial Survey

作　　者：吴卫星[1] 张明欣 WU Weixing;ZHANG Mingxin(School of Finance,Capital University of Economics and Business;China School of Banking and Finance,University of International Business and Economics)

机构地区：[1]首都经济贸易大学金融学院,北京100070 [2]对外经济贸易大学中国金融学院,北京100029

出　　处：《金融研究》2024年第11期151-169,共19页Journal of Financial Research

基　　金：国家自然科学基金面上项目(72373024);对外经济贸易大学研究生科研创新项目(202203)的资助。

摘　　要：在脱贫攻坚和乡村振兴过程中,驻村帮扶等创新工作机制起到了关键作用。与全球范围内广泛采用的转移支付等传统反贫困措施不同,我国通过大规模派驻帮扶人员到农村地区,形成了中国特色的扶贫模式。本文基于“六省普惠金融调查”数据,分析了驻村帮扶对当地居民家庭资产负债表的影响。结果表明:(1)驻村帮扶人员到村工作显著推动了农村家庭资产和负债的增长,同时家庭财务健康状况保持稳定,未给家庭造成财务压力。(2)生产经营项目参与、风险偏好转变和金融知识传播,是驻村帮扶影响家庭资产负债表结构的重要途径。(3)不同驻村干部的工作成效存在差异;驻村帮扶对家庭资产负债表的影响,在不同收入群体中存在差异。(4)驻村帮扶效果具有持续性,驻村帮扶工作结束后,农村家庭资产规模保持稳定,而家庭债务出现回落。Rural issues have consistently been a central focus in China's economic and social development agenda.During the phase of poverty alleviation,China implemented an innovative mechanism known as Resident Work Teams(RWTs)to ensure the precise execution of poverty alleviation strategies,with implementationss reaching directly to households and individuals.RWTs aim to closely integrate external aid with local communities,thereby strengthening grassroots organizational structures,empowering villagers to foster local development initiatives,fostering the transformation and upgrade of agricultural industries,and ultimately improving rural living conditions.Collectively,these efforts lay the foundation for a sustainable,long-term development path for rural economies,thereby contributing to broader societal progress.Although RWTs share similarities with international anti-poverty initiatives such as BRAC's graduation programme,their distinctiveness lies in the phased and large-scale implementation strategy.In China's precision poverty alleviation campaign,255,000 resident work teams and more than 3 million village cadres have been dispatched.Although the existing literature has conducted extensive and in-depth research on the logic and effectiveness of precision poverty alleviation in China,covering a wide range of dimensions ranging from income,human capital,healthcare and education,and regional development,research on the comprehensive impact of RWTs on household economic status is still insufficient when analyzing the role of village-based cadres'assistance.To address this gap,this study examines the impact of RWTs on rural household economic conditions from the innovative perspective of household balance sheets.Based on data from the Inclusive Finance Survey of Six Provinces,which covers 1,593 rural households across Guangdong,Guangxi,Zhejiang,Hubei,Hunan,and Fujian,and incorporating detailed information on RWTs gathered through interviews with village cadres,we conduct a comprehensive analysis.The research results ind

关 键 词：驻村帮扶 乡村振兴 家庭资产负债表 

分 类 号：F323.8[经济管理—产业经济]