摘要
金融科技的蓬勃发展为缓解农民相对贫困提供了新动能,探索相对贫困的数字化治理路径,对于巩固脱贫攻坚成果、建立相对贫困的长效治理机制意义重大。本文基于百度指数平台和中国家庭金融调查数据(CHFS),实证检验金融科技对农民相对贫困的缓解作用,并从正规金融视角探讨其中的影响机制。研究发现:(1)金融科技进步显著缓解了农民相对贫困。(2)从影响机制来看,金融科技打破了传统金融的“二八定律”,发挥了长尾效应,使更多农民获得正规金融支持,进而缓解了农民相对贫困。(3)异质性分析表明,金融科技对一线城市、文化程度较高和低年龄段农民的减贫效果更为显著。本文建议政府大力发展金融科技,鼓励银行间的良性竞争,完善农村金融环境与基础设施建设,推动农民金融知识普及,加快破解“三重鸿沟((1))”。
The vigorous development of financial science and technology has provided new impetus and new assistance for alleviating the relative poverty of farmers.Exploring the digital governance path of relative poverty is of great significance for consolidating the achievements of poverty alleviation and establishing a long-term governance mechanism for relative poverty.Based on Baidu Index platform and China Household Finance survey data(CHFS)in 2019,this paper empirically tests the mitigation effect of financial technology on Farmers’relative poverty,and discusses the impact mechanism from the perspective of formal finance.The findings are as follows:(1)The progress of financial science and technology has significantly alleviated the relative poverty of farmers.(2)From the perspective of impact mechanism,fintech has broken the“two eight laws”of traditional finance,played a long tail effect,made more farmers obtain formal financial support,and thus alleviated the relative poverty of farmers.(3)Heterogeneity analysis shows that fintech has a more significant effect on poverty reduction of farmers in first tier cities,with higher education and lower age.It is suggested that the government should vigorously develop financial technology,encourage benign competition among banks,improve the rural financial environment and infrastructure construction,promote the popularization of farmers’financial knowledge,and speed up the cracking of the“triple gap”.
作者
黄天鉴
HUANG Tian-jian(School of Economics and Management,Southwest University)
出处
《当代金融研究》
2023年第1期55-70,共16页
Journal of Contemporary Financial Research
关键词
金融科技
相对贫困
正规金融
农民
Financial Technology
Relative Poverty
Formal Finance
Farmer
