普惠金融对精准扶贫的作用机制探析

Analysis on the Functional Mechanism of Inclusive Finance for Targeted Poverty Alleviation

普惠金融对贫困地区的产业发展与精准扶贫起到协同作用。但普惠金融与精准扶贫在作用范围上存在偏差,甚至在金融排斥的背景下会产生抑制作用。金融科技的发展和金融产品的创新可以增强普惠金融与精准扶贫的协同作用,并消减抑制作用,使普惠金融对精准扶贫发挥更大的效用。

Inclusive finance plays a synergistic role in industrial development and targeted poverty alleviation in poor areas.However,there is a deviation between inclusive finance and targeted poverty alleviation in terms of function scope,in the context of financial exclusion,it can even have a restraining effect.The development of financial science and technology and the innovation of financial products can enhance the synergy between inclusive finance and targeted poverty alleviation,and reduce the inhibition,so that inclusive finance can play a greater role in targeted poverty alleviation.