我国金融发展的减贫效应研究——基于省级面板数据的检验

The Eff ect of Financial Development on Poverty Reduction in China——Based on the Test of Provincial Panel Data

2020年后,破解相对贫困依然离不开金融支持,正确评价金融扶贫效应有助于我国常规性贫困治理和包容性经济发展的实现。本文基于2010-2018年省级面板数据,考察了金融发展的减贫效应。研究发现:金融发展与贫困发生率呈倒“U”型的关系,这意味着金融发展减贫效应的实现需要条件,只有金融发展达到一定的程度后,才能跨越门槛,实现减缓贫困、降低贫困发生率的目标。这意味着要破解相对贫困,需将减贫资金和内生动力有效结合,金融市场引导资金向贫困人口流动,低收入群体提升金融能力,从而推动我国包容性发展目标的实现。

The solution to relative poverty after 2020 is still inseparable from fi nancial support.Correct evaluation of the eff ect of fi nancial poverty alleviation is conducive to the realization of routine poverty management and inclusive economic development in China.Based on provincial panel data from 2010 to 2018,this paper examines the eff ect of fi nancial development on poverty reduction.It is found that there is an inverted U-shaped relationship between fi nancial development and poverty incidence rate,which means that the realization of poverty reduction eff ect of fi nancial development requires conditions.Only after fi nancial development reaches a certain level,can it cross the threshold and achieve the goal of reducing poverty and reducing poverty incidence rate.This means that in order to solve relative poverty,it is necessary to eff ectively combine poverty reduction funds with endogenous driving forces,fi nancial market guides the fl ow of funds to the poor population,and low-income groups improve their fi nancial capacity,so as to promote the realization of China's inclusive development goals.