摘要
关注普惠金融的综合质量,构建了一套含可获得性、使用情况、服务效用及可持续性的四维评价体系。基于中国家庭金融调查(CHFS)2017年的数据,实证检验了综合普惠金融发展质量对相对贫困的影响。研究表明,综合普惠金融发展质量的提高能显著缓解相对贫困,且缓解效应会随贫困线的提高而减弱;其影响具有长尾效应,对户主受教育水平更低、年龄更大、身体状况不佳、未能接触互联网的家庭的缓解效应更强;机制分析发现,综合普惠金融发展质量能通过贷款可得性、改变家庭消费方式和提升家庭的金融市场参与度来缓解相对贫困。因此,我国应持续提升综合普惠金融的发展质量,多途径助力缓解相对贫困,促进共同富裕。
Focusing on the comprehensive quality of inclusive finance,we have constructed a four-dimensional evaluation system including availability,usage,service utility and sustainability.Based on the data of the CHFS in 2017,the impact of the comprehensive inclusive finance development quality on relative poverty has been empirically tested.Research shows that the improvement of comprehensive inclusive financial development quality can significantly alleviate the relative poverty,and the mitigation effect diminishes with the rising of the relative poverty line.It has a long tail effect,which is better for the head of household with a lower education level,of an older age,in a poor health condition and with no access to the Internet.It is found through mechanism analysis that comprehensive inclusive financial development quality can alleviate relative poverty through loan availability,the change of household consumption mode and the improvement of family financial market participation.Therefore,China should continue to improve the comprehensive inclusive finance development quality,help alleviate relative poverty in multiple ways,and promote the realization of the goal of common prosperity.
作者
吴庆田
王欣玲
WU Qing-tian;WANG Xin-ling(Business School,Central South University,Changsha,Hunan 410083,China)
出处
《湘潭大学学报（哲学社会科学版）》
CSSCI
北大核心
2022年第4期46-52,共7页
Journal of Xiangtan University:Philosophy And Social Sciences
基金
国家自然科学基金项目“移动互联网环境下农村普惠金融机制:基于社会互动的实验研究”(71673306)。
关键词
综合普惠金融发展质量
相对贫困
长尾效应
机制分析
comprehensive inclusive financial development quality
relative poverty
common prosperity
long tail effect
