我国中西部普惠金融发展对贫困减缓的效应研究--基于传统和数字的比较分析

The study on the Effects of Inclusive Finance Development on Poverty Alleviation in Central and Western China--Based on the Comparative Analysis between Traditional Inclusive Finance and Digital Inclusive Finance

本文在分析普惠金融减缓贫困影响机制的基础上,测算了我国中西部传统普惠金融发展水平,并对2011-2018年中西部20个省、市、自治区传统普惠金融与数字普惠金融的贫困减缓效应进行实证对比分析。实证结果发现,传统普惠金融和数字普惠金融都具有明显的贫困减缓效应,并且传统普惠金融比数字普惠金融具有更为显著的减贫效应。基于实证结果,本文提出促进传统普惠金融和数字普惠金融发展、促进经济增长、增加农林水支出、缩小城乡收入差距等建议,更好地发挥贫困减缓效应。

Based on the analysis of the mechanism of poverty alleviation through inclusive finance. This paper evaluates traditional inclusive finance development in central and western China, and makes an empirical comparative analysis of the poverty alleviation effect of traditional inclusive finance and digital inclusive finance in 20 provinces and autonomous regions in central and western China from 2011 to 2018, it finds that both traditional inclusive finance and digital inclusive finance have obvious poverty alleviation effects, and traditional inclusive finance has a more significant poverty alleviation effect than digital inclusive finance. It also proposes some suggestions to enhance poverty alleviation effect in the central and western regions, including promoting the development of traditional inclusive finance, promoting the development of digital financial benefits, promoting economic growth, increasing agricultural expenditures, narrowing the urbanrural income gap.