摘要
从贷款、储蓄、证券和关系4个维度构建金融排斥指标,采用倾向得分匹配法分析了4种类型的金融排斥对中国农户收入的影响。研究发现:证券排斥对农户收入的影响最大,储蓄排斥、贷款排斥和关系排斥的影响依次递减;证券排斥和储蓄排斥对东部地区农户收入的冲击较大,贷款排斥和关系排斥对西部地区农户收入的影响较大。指出:高收入地区应注重开发涉农金融产品,低收入地区应保证提供基础信贷;应实施分类瞄准的普惠性金融政策。
This paper constructs the indicator of financial exclusion from four dimensions, namely loan, saving, stock and social relation. Then it analyzes the influence of financial exclusion on peasant household＇s income by using the method of propensity score matching. The results show as follows the influence of stock exclusion on peasant household＇s income is the biggest,and the next order are saving exclusion,loan exclusion and social relations exclusion;stock exclusion and saving exclusion have more impacts on the income of peasant household in the eastern region, while loan exclusion and social relation exclusion have more impacts on the income of peasant household in western region. Finally,it points out that more attention should be paid to the development of rural financial product in the eastern region, and enough essential loans must be arranged in the western region. It＇s necessary to construct the inclusive financial system.
出处
《技术经济》
CSSCI
2014年第7期120-129,共10页
Journal of Technology Economics
基金
中国博士后科学基金"劳动力迁移背景下的贫富分化传递机制研究"(2013M531977)
重庆市社会科学基金项目"提高中等收入者比重的政策研究--基于收入流动性"(2012QNJJ012)
重庆市教育委员会人文社会科学研究项目"中低收入群体增收路径及重庆实践研究"(12SKH06)
重庆工商大学科研经费(1255011)
关键词
金融排斥
农户收入
倾向得分匹配
financial exclusion
peasant household ＇s income
propensity score matching
