金融包容的减贫效应研究——来自中国微观数据的经验分析

Poverty Reduction Effect of Financial Inclusion:An Empirical Analysis Based on China’s Micro Data

基于中国家庭金融调查(CHFS)2013数据,从贫困状态、贫困深度和贫困强度三个角度测度农户贫困状况,运用倾向得分匹配(PSM)方法分析金融包容对农户贫困减缓的影响。研究发现:金融包容能够显著减缓农户贫困;分区域来看,金融包容减缓西部地区农户贫困的效应大于东部和中部地区。进一步作用机制分析发现:金融包容可通过促进农户家庭创业和教育人力资本提升来减缓贫困。

Based on China Household Finance Survey(CHFS)data in 2013,this paper uses the method of propensity score matching(PSM) to study the impact of financial inclusion on the poverty of peasant households from the state of poverty,poverty gap and poverty severity.The results show that financial inclusion can significantly reduce the poverty of peasant households .From a regional perspective,the effect of financial inclusion on poverty reduction in the western region is more obvious than in the eastern and middle regions.Further mechanism analysis shows that financial inclusion can reduce the poverty of peasant households by the family entrepreneurship and educational human capital promotion.