摘要
厘清乡村振兴差异化金融服务模式对农村家庭返贫防范性治理的效果,对探索全面推进乡村振兴的长效机制具有重要意义,但基于多维贫困脆弱性指数分析差异化金融服务模式影响的研究还相对缺乏。本文利用建档立卡贫困户连续追踪数据,实证检验了“送猪崽”与“折现金”两种乡村振兴金融服务模式对于农村家庭返贫防范性治理的差异性效应,并从农村家庭收入结构、可行能力限制以及资本禀赋条件约束视角予以解释。研究发现,“送猪崽”与“折现金”均具有显著返贫防范性治理效果。收入结构单一、能力禀赋约束较强的农村家庭,“送猪崽”金融服务效率更高,而放松收入结构与能力禀赋约束后,“折现金”的返贫防范性治理效果更佳。根据农村家庭收入结构与能力禀赋,合理选择产业扶贫和普惠金融两种差异化金融服务模式,打好政策组合拳,是提升金融扶贫效率、有效实现返贫治理目标的关键。
It is of great significance to clarify the effect of differentiated financial service model in rural revitalization on the preventive governance of rural families returning to poverty,and to explore a long-term mechanism for promoting rural revitalization in an all-round way.However,there is a lack of research on the impact of differentiated financial services based on Multidimensional Poverty Vulnerability Index.This paper empirically tests the differential effects of two rural revitalization financial service models,“Send piglets”and“Discount cash”,on the preventive governance of rural families returning to poverty by using the data of the poor households continuously tracked by the archived cards,and explains them from the perspectives of rural family income structure,feasible capacity constraints,and capital endowment condition constraints.The study found that“Send piglets”and“Discounted cash”have significant preventive anti-poverty governance effects.Rural households with a single income structure and strong capacity endowment constraints are more efficient in delivering piglets,while after relaxing the constraints on income structure and capacity endowment,“Discounted cash”anti-poverty preventive governance effect is better.According to the income structure and ability endowment of rural households,rationally select the two differentiated financial service models of industrial poverty alleviation and Pratt&Whitney Finance,and make a good policy combination,it is the key to improve the efficiency of financial poverty alleviation and effectively realize the goal of poverty reduction.
作者
刘凤芹
苏彬
LIU Fengqin;SU Bing(School of Ecomomics,Dongbei University of Finance&Economics,Dalian,Liaoning 116025,China)
出处
《贵州财经大学学报》
CSSCI
北大核心
2024年第6期28-37,共10页
Journal of Guizhou University of Finance and Economics
基金
国家社科基金重大项目“大宗商品产业链供应链韧性与安全水平评估及对策研究”(23&ZD048)。
关键词
“送猪崽”
“折现金”
返贫防范性治理
乡村振兴
sending piglets
giving cash
preventive governance for returning to poverty
rural revitalization
