县域小额信贷发展的共同富裕效应研究

The Research on Common Prosperity Effect of Microcredit Development

解决好“三农”问题是落实乡村振兴战略和推动共同富裕的关键。本文以小额信贷这一金融工具为例,从农民收入、家庭收入及城市创业等视角考察了小额信贷的共同富裕效应。结果表明:①在农民收入方面,小额信贷能够提高县域农民纯收入、降低贫困发生的概率,有助于农村脱贫攻坚,促进全体人民共同富裕;②在家庭收入方面,小额信贷能对家庭收入中土地出租收入起正向作用,表明小额信贷可以提高农村家庭经营性收入,有助于推进乡村振兴,扎实推动共同富裕;③在创业方面,小额信贷能够促进城市创业,有助于发挥民营企业在促进共同富裕中的作用。本文研究将为助力共同富裕提供小额信贷方面的经验证据和理论依据。

“Three Rural Issues”is the key to the implementation of a rural revitalization strategy and pursuit of common prosperity.Using microcredit as a financial instruments,the common prosperity effect of microcredit was examined from the perspectives of county farmers’income,household income,and city entrepreneurship.The results show that in terms of county farmers’income,microcredit can increase the net income of county farmers,and reduce the probability of poverty occurrence,contributing to poverty alleviation and common prosperity.In terms of household income,microcredit can play a positive role in land rental income,indicating that microcredit can increase the operational income of rural households,contributing to rural revitalization and common prosperity.In terms of city entrepreneurship,microcredit can promote city entrepreneurship,contributing to make solid step toward common prosperity.The research provides empirical evidence for the common prosperity effect of microcredit,and also provide a theoretical basis for government agencies to formulate policies.