普惠金融发展与贫困减缓的内在逻辑

The Internal Logic Between the Inclusive Financial System Development and Poverty Reduction

介绍了普惠金融的起源,总结了国内外专家学者关于普惠金融发展与减缓贫困的基本理论和观点。利用指数平滑法建立了普惠金融发展对贫困家庭收入差距影响的一个理论分析框架,研究结果表明,由于贫困地区信贷市场信息不对称导致逆向选择,金融机构都会设置很高的信贷门槛,未享受金融服务的贫困家庭容易陷入"贫困陷阱"。政府应通过宏观调控完善贫困地区信贷市场,建立普惠金融体系,降低贫困农户的信贷门槛,使更多的贫困家庭获得信贷的机会。

This paper introduces the origin of inclusive financial system .Experts and scholars＇basic theo-ries and view s at home and abroad are summarized about inclusive financial system development and pov-erty reduction .Establish a theoretical analysis framework of inclusive financial system development im-pact on poor families income gap by using exponential smoothing method .The results show adverse se-lection is caused by asymmetric information in credit markets in the poor areas ,financial institutions will set a high threshold of credit ,and not enjoying financial services poor families easily fall in “poverty trap” .The government should improve the credit market in poverty-stricken area by the way of macro-scopic readjustment and control ,to establish inclusive financial system ,to overcome the difficulty of poor farmers＇credit ,and to make more poor families to obtain credit opportunities .