發(fā)布時間：2018-05-27 06:16

  本文選題：金融發(fā)展 + 金融可得性　； 參考：《財貿研究》2017年04期

【摘要】：基于信貸需求內生的視角,引入信貸約束和經濟機會構建理論模型,分析金融發(fā)展、經濟機會與貧困減緩的關系,并利用門限面板模型對四川集中連片特困地區(qū)扶貧統(tǒng)計監(jiān)測縣進行實證檢驗,結果表明:金融發(fā)展和金融可得性對平均收入改善具有顯著積極作用,但金融發(fā)展和金融可得性并未體現(xiàn)出顯著的益貧性,經濟機會對于農村人均純收入提升和低收入人口數(shù)量減少均具有顯著積極效應。貧困人口經濟機會的缺乏將導致貧困人口生產性信貸需求不足,除非個人隨機能力足夠強,或者不存在消費信貸,否則貧困人口的收入將因消費信貸而停止增長,甚至體現(xiàn)為負增長。因此,在全面建成小康社會和扶貧攻堅階段,改善農村經濟機會是比盯住金融發(fā)展更為精準的減貧目標設定方式。"金融撬動"應該更傾向于瞄準對貧困人口能力和經濟機會的撬動,并在金融扶貧過程中從信貸供給和需求兩個方面進行疏導和改善,增加貧困人口實際可得的信貸匹配。
[Abstract]:Based on the endogenous perspective of credit demand, this paper introduces credit constraints and economic opportunities to build a theoretical model to analyze the relationship between financial development, economic opportunities and poverty alleviation. Using the threshold panel model to test the poverty alleviation statistical monitoring counties in the special poverty areas of Sichuan Province, the results show that financial development and financial availability have a significant positive effect on the improvement of average income. However, financial development and financial availability do not reflect significant poverty, and economic opportunities have a significant positive effect on the increase of per capita net income in rural areas and the decrease in the number of low-income population. The lack of economic opportunities for the poor will result in insufficient demand for productive credit for the poor, whose income will cease to grow as a result of consumer credit unless individuals are sufficiently capable of random access or there is no consumer credit. Even negative growth. Therefore, in the period of building a well-off society in an all-round way and tackling poverty relief, improving rural economic opportunities is a more precise way of setting poverty reduction targets than focusing on financial development. " Financial crowning "should be more focused on the ability of the poor and economic opportunities to leverage, and in the process of financial poverty alleviation from the two aspects of credit supply and demand to channel and improve, increase the actual availability of credit for the poor matching."
【作者單位】： 西南民族大學經濟學院;西南民族大學西南民族研究院;
【基金】：國家社科基金青年項目“民族地區(qū)實現(xiàn)2020年減貧目標的距離估算與精準扶貧政策研究”(15CMZ029) 四川省教育廳人文社科重點研究基地西南減貧與發(fā)展研究中心2017年度重點項目“四川集中連片特困地區(qū)金融扶貧績效改善路徑研究” 西南民族大學應用經濟學學位點項目(XWD-2014S0202)的支持
【分類號】：F126;F832.7

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本文編號：1940792