普惠金融减贫效应检验——基于辽宁省数据的实证研究

Test of Poverty Alleviation Effect of Inclusive Finance——Empirical analysis based on data from Liaoning Province

普惠金融的发展对于缩小贫富差距、减缓贫困具有明显作用,但在实际发展过程中,普惠金融发展水平、政府政策制定、地区经济环境、民众观念差异等都会对普惠金融实际的减贫作用产生影响。以辽宁省为例,普惠金融在发展初期对于减缓贫困具有负向作用,而随着普惠金融发展水平上升逐渐呈现出正向作用,普惠金融减贫作用在整个经济发展进程中是先下降后上升的,符合库兹涅茨“倒U型”现象。同时,鉴于普惠金融发展对于辽宁省减贫效果较弱,建议辽宁省加大普惠金融发展力度,综合政府、机构与民众三方的共同作用,使普惠金融减缓贫困的正向效应得到更大凸显。

The development of inclusive finance has an obvious effect on narrowing the gap between the rich and the poor and thus alleviating poverty.However,in the actual development process,the level of inclusive financial development,government policy formulation,regional economic environment,and differences in people's opinions will have an impact on the actual poverty alleviation effect of inclusive finance.Taking Liaoning Province as an example,inclusive finance has a negative effect on poverty alleviation in the early stages of development.As the level of inclusive finance development rises,it gradually takes a positive role.The rising is in line with Kuznets'"inverted U"phenomenon.At the same time,in view of the relatively weak effect of inclusive financial development on poverty alleviation in Liaoning Province,it is recommended that Liaoning Province should increase the development of inclusive finance and integrate the joint role of the government,institutions and people to make the positive effect of inclusive finance alleviate poverty more great highlight.