金融扶贫效果研究——基于安徽省县级面板数据的实证分析

Research on the Effect of Financial Poverty Alleviation:Empirical Analysis Based on County-Level Panel Data of Anhui Province

金融扶贫作为国家扶贫开发战略体系的重要组成部分,被视为实现精准扶贫的"加速器"。以安徽省12个国家级贫困县(区)为研究对象,实证分析金融扶贫的效果。结果表明:金融机构的存贷比和年末金融机构各项存款余额对贫困发生率减少率具有明显的正向影响;贫困人口数和第二产业比例对贫困发生率减少率存在显著的负向影响。最后,根据实证结果提出对策建议。

As an important part of national poverty alleviation and development strategy system,financial poverty alleviation plays an irreplaceable role in reducing poverty,which is regarded as an accelerator for precise poverty alleviation.Taking 12 state-level poverty-stricken counties which distribute in the different areas of Anhui province as the research object,the paper empirically analyzed the effect of financial poverty alleviation.The results show that the deposit loan ratio and the deposits balance in financial institutions at the end of the year have a clear positive impact on the rate of poverty incidence and reduction;the number of povertystricken population and the proportion of secondary industry have a significant negative impact on the rate of poverty incidence and reduction.Finally,some countermeasures are put forward according to the empirical results.