信贷配给与贫困代际传递--以CHFS安徽省样本为例

Credit Rationing and Poverty Transmission:Using CHFS Anhui Province Sample as an Example

基于信贷配给对农村贫困代际传递的作用机理、安徽省农村信贷配给程度的现实状况和历史变迁,利用中国家庭金融调查(CHFS)2015样本数据,筛选安徽省农村贫困家庭,且将其作为研究样本,实证分析信贷配给对农村贫困代际传递的影响。结果发现:信贷配给具有引发农村贫困代际传递的宏微观双重机制;安徽省农村信贷配给程度较高;安徽省农村贫困存在显著、严重的代际传递现象,信贷配给对农村贫困代际传递具有显著促进作用。增加农村信贷资源的有效供给,降低农村信贷配给程度是有效阻断农村贫困代际传递的重要手段。

Based on the mechanism of credit rationing on the intergenerational transmission of rural poverty,the current situation and historical changes of rural credit rationing in Anhui Province,the rural poor families in Anhui Province were selected as the research sample,and the impact of credit rationing on the intergenerational transmission of rural poverty was empirically analyzed by 2015 sample data of China household finance survey(CHFS).The results show that the credit rationing has a macro and micro mechanism,which leads to the inter-generational transmission of rural poverty.The degree of credit rationing is high in Anhui Province.There is a significant and serious phenomenon of intergenerational transmission of rural poverty in Anhui Province,and credit rationing plays a significant role in promoting the intergenerational transmission of rural poverty.Increasing the effective supply of rural credit resources and reducing the degree of rural credit rationing are important means to effectively block the intergenerational transmission of rural poverty.