乡村振兴背景下普惠金融对农村家庭收入影响的实证分析

Empirical Analysis of Impact of Inclusive Finance on Rural Household Income under Background of Rural Revitalization

解决“三农”问题的首要目标即实现农村生活富裕,促进经济发展,推进乡村振兴。金融是现代经济的核心,是经济发展的重要推力,是实现乡村振兴的的重要保障。因此,实施并发展普惠金融是乡村振兴的新思路,对促进农村经济发展意义重大。该文基于中国家庭金融调查与研究中心的全国农村2013年与2017年数据,首先根据农村家庭收入情况将农村家庭按分位数区间进行分类,并构建影响农村家庭收入的指标因素及普惠金融服务的指标;其次采用分位数回归的方法,实证分析普惠金融对我国农村家庭收入的影响。结果表明:普惠金融大幅度提高了农村低收入家庭的人均收入,缩小了贫富差距。因此,在乡村振兴背景下,应进一步拓展普惠金融服务的广度及深度,提高农村家庭的人均收入;并通过普及金融知识深化金融素养培训进而引导收入分配导向,提高农村普惠金融指数,反哺农村金融产业发展,助推乡村振兴。

The primary objectives of solving the problem of agriculture,rural and farmers is to achieve the goal of making rich rural life,to develop the economy and to promote the rural revitalization.Finance is the core of the modern economy,the strong propulsive force of the economy development,also the vital support of rural revitalization.In that case implementing and developing inclusive financial policies is a new way to promote the rural revitalization which is also very important to the rural economic develop-ment.Based on the 2013 and 2017 data of CHFS,firstly the paper classifies the rural family by quartile in-terval on the basis of household income,moreover,the index factors affecting rural household income and the index of inclusive financial services are constructed.Secondly,using empirical analysis way to analyze how the inclusive financial policies impact the rural household income with the quartile regression.The re-sult shows that:the inclusive financial policies will significantly increases the average income of rural fam-ily,bridging the gap between the rich and the poor.Above all,under the backdrop of rural revitalization,more scientific old-age insurance system and medical security system should be built to promote the aver-age income of rural families.Further efforts should be paid in the dissemination of financial knowledge to optimize the ways of income distribution,to increase the inclusive financial index,to feed back the rural fi-nancial industry and to help boost the rural revitalization.