金融扶贫与农户减贫的实证测度

Empirical Measurement on Financial Poverty Alleviation and Rural Household Poverty Reduction

文章在金融扶贫作用机理的基础上,实证进行多维贫困农户的识别,并在收入临界值部分按照贫困线三档标准进行测度分析,然后构建倾向得分匹配模型,评估金融扶贫政策对不同类型农户的影响效果差异。结果发现:贫困线一和贫困线二下的贫困户参与扶贫小额信贷增加的家庭人均纯收入高于非贫困户,但是贫困线三下的小额信贷扶贫的影响效果存在异质性。建议完善小额信贷产品制度和种类,因地制宜发展特色优势产业,加强风险防控。

Based on the mechanism of financial poverty alleviation, this paper empirically conducts multi-dimensional identification of poor peasant households, conducts a measurement analysis according to the three-level poverty line standard in the threshold of income, and then constructs a propensity score matching model to evaluate different effect of financial poverty alleviation policies on different types of peasant household. The results show that the poor households under Poverty Line One and Poverty Line Two participating in the microcredit have increased more per capita net income than the non-poor households, but the impact of microcredit poverty alleviation under Poverty Line Three is heterogeneous. It is suggested to perfect the system and add varieties of micro-credit product, develop industries with distinctive advantages in light of local conditions, and strengthen risk prevention and control.