金融发展与降低贫困——基于中国1994～2004年小额信贷的分析被引量：52

Financial Development and Poverty Reduction—Analysis on Microfinance 1994-2004 in China

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摘要小额信贷的反锁定模型证明了小额信贷通过产业反锁定、技术反锁定和结构反锁定等三条途径克服了农民增产不增收的窘境，实现了增产又增收，降低了农民的贫困程度。利用中国1994～2004年的时间序列和2004年的截面数据的实证分析也表明小额信贷增加了农民家庭经营收入，降低了贫困。最后，通过一些案例的调查数据进一步佐证了理论和实证的分析结果：小额信贷具有显著的降低贫困效应。 The microfinance counter-lock model has proven that it can overcome the predicament in which farmers have no real income increase with enlarged output,and help farmers to enhance income as well as output and thus to reduce poverty via industrial,technical and structural counter-locking.Empirical data with time series 1994-2004 and 2004 panel dada also show that microfinance promotes farmers' family income and reduces poverty.Case analysis in this paper indicates the same results: microfinance has significant effect on poverty reduction.

作者张立军湛泳

机构地区复旦大学经济学院湘潭大学商学院

出处《当代经济科学》 CSSCI 北大核心 2006年第6期36-42,共7页 Modern Economic Science

关键词金融发展降低贫困小额信贷 Financial development Poverty reduction Microfinance

分类号 F832.4 [经济管理—金融学]

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参考文献13

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