| 摘要: |
| 目的 发挥普惠金融对农村家庭稳定脱贫的效应对解决农村相对贫困意义重大。方法 文章基于2017年中国家庭金融调查（CHFS）数据，使用熵权法和VEP构建了家庭层面普惠金融指数和期望贫困脆弱性指数，利用分位数回归和中介效应模型，探究不同分位数、不同贫困标准和不同指标下普惠金融对农村家庭贫困脆弱性影响效应及作用机制。结果 普惠金融对农村家庭贫困脆弱性在不同分位数、不同贫困标准和不同指标下均有显著的负向效用。结论 一方面随着脆弱性的提高，该效应呈上升趋势，改善金融普惠状况将有助于降低农村家庭的贫困脆弱性进而达到稳定脱贫之目的；另一方面随着贫困标准的提高，贫困脆弱性大幅度提高，意味着相对贫困人口仍是今后扶贫中不容忽视的问题；同时索贝尔中介效应检验指出，普惠金融主要通过影响家庭劳动、家庭收入和家庭消费，进而发挥稳定脱贫作用。 |
| 关键词: 普惠金融指数 贫困脆弱性 分位数回归 中介效应 熵值法 |
| DOI：10.7621/cjarrp.1005-9121.20211019 |
| 分类号:F306.4 |
| 基金项目:国家社会科学基金项目“六盘山民族连片区精准扶贫长效机制及绩效评估机制构建研究”(16BMZ075)；北方民族大学学术拔尖人才项目“民族地区乡村振兴与稳定脱贫有效衔接机制研究”（2019BGBS04） |
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| INFLUENCING EFFECTS OF INCLUSIVE FINANCE ON THE STABLE POVERTY AllEVIATION OF RURAL HOUSEHOLDAN EMPIRICAL ANALYSIS BASED ON THE DATA OF 2017 CHFS |
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Liu Qijun1,2, Liu Shuliang1, Li Zhaonan1,2
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1.School of Economics, North Minzu University, Yinchuan 750021, Ningxia, China;2.Research Center of for the Governance of Relative Poverty in Ethnic Regions, Yinchuan 750021, Ningxia, China
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| Abstract: |
| Giving full use to the effect of inclusive finance on rural households' stable poverty eradication is of great practical significance to solve the problem of relative poverty in rural areas. Based on 2017 China Household Finance Survey (CHFS) data and entropy method，the rural family inclusive finance index and vulnerability of poverty were built in this paper. Using the quantile regression model to study the differences and mechanisms of influence of inclusive finance on rural families' vulnerability to poverty under different quantiles and different poverty standards as well as in different indicators. The results indicated that inclusive finance had a significantly negative effect on rural families' vulnerability to poverty under different quantiles, different poverty standards and in different indicators. In summary, with the aggravation of vulnerability, the influence correspondingly keeps on strengthening, which means that the improvement of the inclusive finance can help mitigate rural families' vulnerability to poverty, thus the goal of stability and poverty alleviation can achieve. On the other hand, as the poverty standards raises, the vulnerability to poverty increases significantly. This suggests that the relatively poor population is an issue which can't be ignored in China. Additionally, according to Sobel mediating effect test, inclusive finance plays a stabilizing role in poverty alleviation, mainly by affecting household labor, household income and household consumption. |
| Key words: inclusive finance index vulnerability to poverty quantile regression mediating effect entropy method |
