摘要
金融扶贫作为精准扶贫的重要方式之一,对提高金融包容性、实现扶贫攻坚目标具有重要意义。以宁夏地区的村级互助资金作为金融扶贫的典型案例,通过理论分析和案例结合的方式深入剖析互助资金对农户投资的影响;基于对宁夏492户参与互助资金的农户的微观调查,运用加权最小二乘法实证检验其影响效果。研究结果表明:农户参与互助资金对其农业生产投资有显著促进作用,且对贫困户和非贫困户而言,这一影响呈现出明显差异。其中,互助资金贷款对贫困农户农业投资的促进作用更为显著,说明互助资金发展与产业结合能有效提高扶贫效果。
Financial poverty alleviation is an important way to targeted poverty alleviation and has important significance to achieve the goal of poverty alleviation. Using typical case of village mutual funds in Ningxia area,based on the theory and case analysis,we analyzed the impact of mutual funds on farmers＇ investment and empirically test with the micro survey data of 492 farmers in Ningxia by using weighted least square. The results show that mutual funds have a significant positive impact on the farmers＇ investment and the impact on the poor and non-poor households has obvious heterogeneity. Loans to poor households can bring more significant agricultural investment effect. Further improving mutual funds and dominating it with other industries will significantly improve the effect of poverty alleviation.
出处
《福建农林大学学报（哲学社会科学版）》
2016年第5期34-40,共7页
Journal of Fujian Agriculture and Forestry University(Philosophy and Social Sciences)
基金
宁夏高等学校科学研究项目(NGY2013045)
宁夏哲学社会科学规划项目(16NXBYJ08)
国家哲学社会科学基金重点项目(15AJY020)
国家自然科学基金项目(71263043)
关键词
金融扶贫
村级互助资金
农业生产投资
financial poverty alleviation
village mutual funds
agricultural production investment
