陕西省普惠金融发展的减贫效应研究

Study on the Poverty Reduction Effect of Inclusive Financial Development in Shaanxi Province

本文利用2005年-2018年陕西省金融数据对陕西省普惠金融发展水平进行测算,并结合陕西省农村相关数据,利用脉冲响应函数和方差分解方法,考察普惠金融发展的减贫效应。实证结果显示:普惠金融水平对农村居民收入水平的提高有促进作用,陕西省普惠金融发展具有显著的、持续性的减贫效应,且普惠金融发展对贫困减缓具有较高的贡献率,并为进一步建立解决相对贫困的长效机制提供了一定思路。

Based on the financial data of Shaanxi Province from 2005 to 2018,we measured the level of financial development of Shaanxi Province.And combined with the relevant data in rural Shaanxi Province,we looked at the poverty reduction effects of inclusive financial development using the impulse response function and the variance decomposition.The empirical results show that inclusive financial level has a positive effect on the improvement of rural residents'income level.It is mean that the development of inclusive finance in Shaanxi Province has a significant and sustainable effect of poverty reduction.Furthermore,Inclusive financial development contributes to poverty alleviation with a high rate and provides ideas for building long-term mechanisms to address relative poverty.