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普惠金融减贫的收入效应与区域异质性研究——基于安徽省的实证检验
郑美华,谢露露,苏成成
0
(安徽财经大学 经济学院;安徽财经大学 金融学院)
摘要:
普惠金融是消除贫困的有效方式,为区域性减贫提供了解决路径,但普惠金融发展对提高贫困人群的收入及区域减贫的效果存在较大的异质性。安徽省2011—2017 年16个地级市有关经济指标的实证检验结果表明,普惠金融减贫存在收入效应与区域异质性,即普惠金融的发展能显著提高收入水平,减缓贫困,但各区域在减贫效果上存在较大的差异性,其中皖南地区的减贫效果显著,皖中地区反而会抑制贫困的减缓,而皖北地区的减贫效果则不显著。因此,应推行普惠金融的区域差异化政策,以提升普惠金融的减贫效果。
关键词:  普惠金融  减缓贫困  收入效应  区域异质性
DOI:
基金项目:安徽财经大学重点科研项目“安徽省普惠金融减贫的收入效应与区域效应研究”(ACKYB19005):安徽财经大学研究生科研创新基金“基于价值链视角的农村数字普惠金融发展路径研究”(ACYC2018138)
Income Effect of Poverty Alleviation through Inclusive Finance and Regional Differences: Based on an Empirical Test of Anhui Province
ZHENG Meihua,XIE Lulu,SU Chengcheng
(School of Economics, Anhui University of Finance and Economics)
Abstract:
Inclusive finance is an effective way to eliminate poverty and provides a solution for regional poverty alleviation. However, there are great regional differences in the increase of poor people’s incomes and the effect of poverty alleviation. An empirical test of relevant economic indicators of 16 prefecturelevel cities in Anhui province from 2011 to 2017 shows that, for poverty alleviation through inclusive finance there exist income effect and regional differences, that is, the development of inclusive finance can significantly increase poor people’s incomes and alleviate poverty, but many regions differ from each other in the effect of poverty alleviation. In South Anhui, the effect is significant, but in Central Anhui the situation is on the contrary, and in North Anhui it is unsignificant. Therefore, it needs to carry out differentiated policies of inclusive finance in different regions so as to improve its effect of poverty alleviation.
Key words:  inclusive finance  poverty alleviation  income effect  regional differences

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