摘要
利用2019年中国家庭金融调查数据,考察普惠金融对家庭相对贫困的影响及机制。研究发现:普惠金融对居民家庭相对贫困具有显著的抑制效应,且该效应可以通过缓解家庭资金约束、促进家庭灵活就业和提高家庭风险承担能力3个渠道实现。在二三线及以下城市、西部和东北部地区以及农村、农业户口、非体制内工作和非党员的家庭中,普惠金融对相对贫困的缓释效应更强,在减缓相对贫困的过程中主要扮演“雪中送炭”的角色。另外,传统普惠金融和数字普惠金融的发展均可以有效减少家庭相对贫困的发生,但现阶段传统普惠金融对相对贫困的减缓作用更大。研究结论可为推动普惠金融高质量发展、缓释相对贫困提供参考。
The article examines the effects and mechanisms of inclusive finance on relative poverty using the data from 2019 China Household Finance Survey(CHFS).The results are as follows.Firstly,inclusive finance has a significant inhibitory effect on the relative poverty of resident households.Secondly,inclusive finance can reduce relative poverty by alleviating household’financial constraints and promoting flexible employment and improving ability of undertaking risks.Thirdly,the effect of inclusive finance on relative poverty is greater in tier 2 cities and tier 3 cities,and western and northeastern regions,as well as rural households and agricultural registered residence,and households with family members not working in the system and without party members.Fourthly,the development of both traditional inclusive finance and digital inclusive finance can effectively reduce relative poverty in households,but at this stage,traditional inclusive finance has a greater effect on alleviating relative poverty than digital inclusive finance.The research conclusions can provide reference for promoting the high-quality development of inclusive finance and alleviating relative poverty.
作者
董艳敏
严奉宪
DONG Yanmin;YAN Fengxian(College of Economics and Management,Huazhong Agricultural University,Wuhan 430070,China;Green Economy Research Center,Huazhong Agricultural University,Wuhan 430070,China)
出处
《中国软科学》
CSSCI
CSCD
北大核心
2023年第12期165-174,共10页
China Soft Science
基金
中国工程院重大咨询研究项目“2020年后以科技为支撑的乡村产业发展与减贫战略研究”(2021-XBZD-12-2)
国家自然科学基金项目“基于社区农业灾害韧性的农户适应行为研究:以江汉平原为例”(71874065)
中央高校基本科研业务费专项资金资助项目“促进农民农村共同富裕研究”(2662023YJ029)。
关键词
普惠金融
资金约束
灵活就业
风险承担
相对贫困
inclusive finance
financial constraints
flexible employment
risk-taking
relative poverty
