摘要
基于我国2014—2020年省域贫困县数量变化(减少)视角,从实证角度评估了金融发展对我国农村精准脱贫的成效,并进一步就数字普惠金融发展与传统金融发展对农村精准脱贫成效的差异性进行了比较。研究发现,金融是推动我国农村居民收入增长的重要手段,数字普惠金融作为我国传统金融的有效补充,在推动我国农村贫困地区精准脱贫方面更是发挥了重大作用。不同类型金融发展对我国农村精准脱贫的成效存在较大差异,相比较而言,数字普惠金融发展对我国农村贫困地区实现精准脱贫的成效明显强于传统金融。同时,数字普惠金融发展对我国农村贫困地区实现精准脱贫的成效在不同区域存在显著差异性,东部地区最强,中部地区次之,西部地区较弱。从大力发展数字普惠金融、培植农村居民数字普惠金融意识、创设更多数字普惠金融应用场景和开发更多数字普惠金融产品的视角,提出了数字普惠金融巩固我国脱贫攻坚取得的成效,并进一步赋能我国乡村振兴视域下农村居民致富的对策建议。
Based on the perspective of the change(decrease)in the number of poverty-stricken counties in my country from 2014 to 2020,this article evaluates the effectiveness of financial development on the targeted poverty alleviation in rural areas in my country from an empirical perspective.Moreover,the paper further compares the difference in the effect of digital inclusive finance development and traditional finance development on rural precision poverty alleviation.The study found that finance is an important means to promote the income growth of rural residents in my country.As an effective supplement to my country's traditional finance,digital financial inclusion has played a significant role in promoting the targeted poverty alleviation in poor rural areas of my country.Different types of financial development have great differences in the effectiveness of targeted poverty alleviation in my country's rural areas.In comparison,the development of digital financial inclusion is significantly better than traditional finance in achieving targeted poverty alleviation in rural poverty-stricken areas in my country.At the same time,the effectiveness of digital financial inclusion in achieving targeted poverty alleviation in poor rural areas of my country varies significantly from region to region,with the eastern region being the strongest,the central region second,and the western region being weaker.From the perspective of vigorously developing digital inclusive finance,cultivating rural residents'awareness of digital inclusive finance,creating more application scenarios of digital inclusive finance and developing more digital inclusive financial products,this paper puts forward the achievements of digital inclusive finance in consolidating poverty alleviation in China;and further empower the policy recommendations for rural residents to get rich from the perspective of my country’s rural revitalization.
作者
潘锡泉
PAN Xiquan(Zhejiang Finance Vocational College, Hangzhou, Zhejiang 310018, China)
出处
《金融教育研究》
2021年第4期43-49,共7页
Research of Finance and Education
基金
浙江省自然科学基金项目“汇率视角的中美货币政策溢出、协调及治理机制研究”(LY18G030007)
杭州市社科规划课题“金融科技支持杭州科技型小微企业成长研究:理论与实践案例”(Z19JC118)
浙江省省属高校基本科研业务费项目重点课题“共同富裕的理论内涵、统计测度及实现路径研究”(2021ZD01)
浙江金融职业学院高水平科研创新团队“金融服务双循环创新团队”建设资助项目(2021XS01)。
关键词
数字普惠金融
农村贫困治理
精准脱贫
传统金融
Digital inclusive finance
Rural poverty governance
Targeted poverty alleviation
Traditional finance
