普惠金融包容发展指数测算及其对精准扶贫影响研究

Calculation of Inclusive Development Index of Inclusive Financeand Its Impact on Targeted Poverty Alleviation

  • 摘要: 普惠金融的市场化与政策性为精准扶贫工作的开展提供了一个切入点,践行普惠金融,探索金融助推精准扶贫的协同实施路径,成为我国要打赢脱贫攻坚战的一个共同目标。本文从地理维度、人口维度和使用效用性三个维度运用2004—2018年中每万平方千米银行机构数量、金融机构各项存款余额与GDP之比等8个指标作为解释变量构建了普惠金融包容发展指标体系,对我国27个省、直辖市及自治区的普惠金融发展水平进行了测算与估计;此前提下,运用多元线性回归分析、固定效应及随机效应模型进行实证分析,讨论普惠金融的包容发展对精准扶贫的作用。结论表明:每个解释变量对不同模型中的被解释变量均有不同程度的影响,普惠金融对精准扶贫起着正向积极的促进作用,同时精准扶贫也加快了农村金融改革的发展步伐。

     

    Abstract: The marketization and policy of inclusive finance provide an entry point for the development of precision poverty alleviation work, practice inclusive finance, explore the coordinated implementation path of financial assistance for precision poverty alleviation has become a common unit in China to win the fight against poverty aims. This paper constructs the general benefit by using eight indicators, such as the number of banking institutions per 10 000 square kilometers and the ratio of deposits to GDP of financial institutions in 2004—2018, from the three dimensions of geographic dimension, population dimension and utility. The financial inclusion development index system measures and estimates the development level of inclusive finance in 27 provinces, municipalities directly under the Central Government and autonomous regions. Under this premise, multiple linear regression analysis, fixed effects and random effects models are used for empirical analysis, and the impact of the inclusive development of Hui Finance on precision poverty alleviation are disscussed. The conclusions show that each explanatory variable has different degrees of influence on the explained variables in different models, inclusive finance plays a positive role in promoting poverty alleviation, at the same time, accurate poverty alleviation also accelerates the development of rural financial reform.

     

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