后贫困时代农户信贷、发展潜力与相对贫困脱离研究——基于西北四省调查数据分析

The research on farmers’credit,development potential and relative poverty elimination in post-poverty era:Based on the analysis of the survey data in four northwestern provinces

基于2019、2020年宁夏、青海、甘肃和陕西西北4省1957户脱贫地区农户调查数据,运用倾向得分匹配法(PSM)和“A-F”多维贫困指数,实证分析了农户信贷、发展潜力和相对贫困脱离的关系。结果表明,信贷支持有助于抑制农户多维贫困,其效果对高发展潜力农户比一般农户更明显。信贷化解不同类型贫困效果各异,可明显改善收入贫困和生活条件贫困,在一定程度上缓解健康贫困,但对教育贫困、资产贫困和机会贫困效果并不显著。强化和巩固信贷扶贫的效果,必须要注重贫困农户和贫困地区自身发展能力的培育,提升农户经营能力和发展潜力,巩固信贷脱贫的作用效果。

Based on the 1957 rural families’survey data from poverty-stricken areas of four northwest provinces including Ningxia,Qinghai,Gansu and Shaanxi in 2019 and 2020,using the method of propensity score matching(PSM)and“A-F”multi-dimensional poverty index,an empirical analysis of the relationship of farmers’credit,development potential and multidimensional poverty was made.The results showed that farmers’credit could effectively restrain farmers’multi-dimensional poverty,and its effect was more obvious for high-potential farmers than ordinary farmers.Credit had different effects on different types of poverty.It could obviously improve income poverty and living condition poverty,and alleviate health poverty to a certain extent,but it had no significant effect on education poverty,asset poverty and opportunity poverty.To strengthen and consolidate the effect of credit poverty alleviation,it must pay attention to the cultivation of the development ability of poor farmers and poor areas,enhance the management ability and development potential of farmers,and consolidate the effect of credit poverty alleviation.