普惠金融视角下农民金融投资的选择问题研究——基于“千村调查”项目数据分析

Study on Different Types of Financial Investment Choice of Rural Residents Under Inclusive Finance:Based on “Thousands Villages investigation”

本文基于“千村调查”项目数据,通过二值选择模型和倾向匹配得分法对数据进行分析,研究发现,普惠金融体系的建立对于农民进行不同类型的金融投资选择所起到的作用是不同的:正规金融机构和非正规金融机构所提供的服务对农民进行不同类型的金融投资活动所起到的作用也是不一致的。此外,本文研究还发现“涓滴效应”在我国农民金融投资中不成立。为此,我国在发展普惠金融的同时,需要对不同资源禀赋的农民提供不同的服务,建立相应的监管机制,普及金融知识,使得普惠金融福利惠及全民。

Based on the data of "Thousands Villages data through the'binary selection model and the propensity investigation",this paper analyzes the score matching method.We found that the role of Inclusive Financial in different types of financial investment is different.Meanwhile,the role of informal finance and formal finance in different types of financial investment of Chinese rural residents is also different.In addition,this paper also found that "trickle-down effect"in the financial investment of Chinese rural residents is not established.Chinese government should promote the development of inclusive finance,and at the same time,provide the different services to meet the need for rural residents with different resource endowment.Besides,Chinese government should also establish supervision mechanism ,and popularize financial knowledge,making inclusive financial benefit more people.