金融可得性对农村居民教育支出的影响研究——基于2012—2018年西南五省的省级面板数据

Research on the Impact of Financial Availability on Education Expenditure of Rural Residents——Based on Provincial Panel Data of Five Provinces in Southwest China from 2012 to 2018

农村地区的教育是目前我国整个教育体制相对比较薄弱的地方,由于各种限制因素的存在,农村地区的教育还没有很大的改进。为了提高农村居民的素质,亟须增加农村地区居民的教育支出。除了国家拨款外,农村居民也应增加相应的教育支出费用。金融可得性是普惠金融中重要的一个维度,对服务较为落后的西南农村来说,在理论上存在促进作用。因此,通过2012—2018年西南地区的省级面板数据,实证分析了金融可得性对农村居民的教育支出的影响,得出了以下的结论:从区域来看,金融可得性对农村居民的教育支出存在显著的正向效应;金融可得性与普惠金融的其他维度相比对教育支出的影响作用更大。

The education in rural areas is a relatively weak place in the current education system.Due to the existence of various restrictive factors,the education in rural areas has not been greatly improved.In order to improve the quality of rural residents,it is urgent to increase the educational expenditure of rural residents.In addition to funding from the state,rural residents should also increase the corresponding education expenses.Financial availability is an important dimension of inclusive finance,which can theoretically promote rural areas in southwest China with relatively backward services.Therefore,through the provincial panel data of southwest China from 2012 to 2018,this paper empirically analyzes the impact of financial availability on rural residents'education expenditure,and draws the following conclusions:From the regional point of view,financial availability has a significant positive effect on rural residents'education expenditure;Financial availability has a greater impact on education expenditure than other dimensions of financial inclusion.