数字普惠金融、信贷可得性与中国相对贫困减缓
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引用本文:蔡宏宇,阳 超.数字普惠金融、信贷可得性与中国相对贫困减缓[J].财经理论与实践,2021,(4):24-30
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作者单位
蔡宏宇,阳 超 (湖南工商大学 数字经济与高质量发展重点实验室,湖南 长沙 410205) 
中文摘要:基于中小微企业和低收入人群等信贷可得性视角,实证分析数字普惠金融对相对贫困减缓的影响路径与影响程度,以期强化欠发达地区和农村低收入人口的社会资金捕获能力,助力巩固拓展脱贫攻坚成果同乡村振兴有效衔接。研究发现:数字普惠金融通过提升客户触达能力,促使城乡之间金融服务的机会均等化,降低融资交易成本,破解金融排斥,缩小城乡差距,降低农村地区的相对贫困水平。但现阶段数字普惠金融只能够有效地降低东部地区的农村相对贫困水平,而在中西部地区,这种效应并不明显。中国应因地适宜改进和提升数字普惠金融服务、提高各类微弱经济体信贷可得性、增强金融赋能的精准性和有效性。
中文关键词:数字普惠金融  信贷可得性  相对贫困
 
Digital Financial Inclusion, Credit Availability and China's Relative Poverty Alleviation
Abstract:This paper analyzes the path and degree of the impact of digital financial inclusion on relative poverty alleviation based on the availability of credit for small, medium and micro enterprises and low-income people, with a view to strengthening the ability to capture social funds in underdeveloped areas and rural low-income population, and helping consolidate and expand the effective link between poverty alleviation and rural revitalization. This paper finds that digital inclusive finance can narrow the gap between urban and rural areas and reduce the relative poverty level in rural areas by improving the accessibility of customers, promoting the equalization of opportunities for financial services between urban and rural areas, reducing financing transaction costs, inhibiting financial exclusion effect. However, at the present stage, digital inclusive finance can only effectively reduce rural relative poverty in the eastern region, while in the central and western regions, the effect is not obvious. China should appropriately improve and enhance digital financial inclusion services, improve the availability of credit in various weak economies, and enhance the accuracy and effectiveness of financial empowerment.
keywords:digital finance inclusive  credit availability  relative poverty
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