我国农村普惠金融的减贫增收效应研究——基于4023户农户微观数据的断点回归

文章利用全国27省份517个村庄的4023户农户微观调研数据，使用模糊断点回归方法，对农村普惠金融的贫困减缓效应和经济增长效应进行了实证检验。结果发现，在东部地区，普惠金融的发展降低了绝对贫困和相对贫困水平，促进了经济增长；在中部地区，普惠金融的发展有利于绝对贫困水平和相对贫困水平的下降，对于经济增长的促进效用不明显；在西部地区，普惠金融的发展有利于绝对贫困水平的下降，但增加了相对贫困并抑制了经济增长。基于此，文章提出在农村普惠金融的推广过程中，应注意其发展战略实施的区域差别化，以实现普惠金融积极效应的最大发挥。

Research on Poverty Alleviation and Rural Economy Growth of Inclusive Finance in China: Based on Survey Data of 4023 Rural Households via RD regression

This paper conducts an empirical research to test the effect of poverty alleviation and rural economy growth from inclusive finance, based on the questionnaires survey data of 4023 rural households from 517 villages in China via Fuzzy Regression Discontinuity method. The results show that for different area, the effect of inclusive finance is different. In east, the development of rural inclusive finance has reduced both absolute and relative poverty, and promoted the economic growth; in middle, rural inclusive finance is good for alleviation of absolute poverty and relative poverty, but is not obvious for economic growth promotion; in west, rural inclusive finance is helpful to relieve absolute poverty while has increased relative poverty and restrained economic growth. So in order to maximize the positive effect of inclusive finance, we should pay attention to the implementation of differential inclusive financial development strategy.