我国发达省份普惠金融发展的减贫效应——基于广东省的实证研究

The Poverty Reduction Effect of Inclusive Finance in China's Developed Provinces——Empirical Evidence of Guangdong Province

论文测度了广东省20个地市2015~2018年间的普惠金融指数,运用门槛回归和面板模型分析了普惠金融发展的减贫效应。研究结果表明:1.广东省普惠金融发展程度每提高1%,贫富差距会缩小5.5%,且随着普惠金融发展程度的提高,其减贫的边际效果会逐渐减弱。2.分地区看,只有粤东地区存在门槛效应,其中普惠金融发展对粤北地区减贫作用最强,粤西、粤东地区次之,珠三角地区的普惠金融发展没有起到减贫效果。根据上述结论,得出推进金融机制改革、平衡区域间的普惠金融发展以及进一步实施乡村振兴战略、推动城乡协同发展等对策建议。

This paper measures the inclusive financial index of 20 cities in Guangdong province from 2015 to 2018,and uses threshold regression and panel model to analyze the poverty reduction effect of inclusive financial development.The results show that:1.For every 1%increase in the development of inclusive finance,the gap between the rich and poor will shrink by 5.5%,and the marginal effect of poverty reduction will gradually weaken when the development of inclusive finance increases;2.In terms of different regions,only the eastern Guangdong has a threshold effect,inclusive financial development has the strongest effect on poverty reduction in northern Guangdong,followed by western Guangdong and eastern Guangdong,and the inclusive financial development in the Pearl River Delta region has not produced the poverty reduction effect.According to the above conclusions,countermeasures are put forward to promote the reform of the financial mechanism,balance the development of inclusive finance between regions,and increase the implementation of the rural revitalization strategy,and promote the coordinated development of urban and rural areas.