农村经济发展、普惠金融与包容性增长

Rural economic development, financial inclusion and inclusive growth

利用我国31个省级行政区2006—2016年的面板数据,使用静态、动态面板模型和IV工具变量法分析了普惠金融、农村经济与包容性增长的关系,探讨了普惠金融在连接农村经济与包容性增长中所起的作用。研究表明:普惠金融通过农村经济发展对包容性增长有明显的影响,在普惠金融发展水平比较高的地方,农村经济发展对包容性增长存在明显的促进作用。在此基础上,从构建完整的农村普惠金融体系、创新的普惠金融服务模式、有区别的政府干预政策、推进农村产业化和提升教育水平等方面提出政策建议。

By using the panel data of China's 31 provinces from 2006 to 2016,and by exploiting static,dynamic panel model and IV instrumental variable method,the present study analyzed the relationship between inclusive finance,rural economy and inclusive growth,and explored the role played by inclusive finance in the integration of rural economy and inclusive growth.The research shows that inclusive finance has a significant impact on inclusive growth through rural economic development,that the rural economic development has a significant role in promoting inclusive growth in places where the level of inclusive financial development is relatively high,.On this basis,we propose policy recommendations from the construction of a complete rural inclusive financial system,innovative inclusive financial services model,differentiated government intervention policies,promotion of rural industrialization and upgrading of education level.