普惠金融对农户家庭经济韧性的影响研究
Research on the Impact of Financial Inclusion on the Economic Resilience of Farmer Households
田杰 1廖露 1王淑敏2
作者信息
- 1. 重庆工商大学金融学院,重庆 400070
- 2. 河南理工大学工商管理学院,河南焦作 454000
- 折叠
摘要
采用2013-2019年中国家庭金融调查(CHFS)数据,基于非线性动力学理论及贫困陷阱理论测度农户家庭经济韧性,深入探讨普惠金融对农户家庭经济韧性的影响机制.研究发现:普惠金融有效提高了农户家庭经济韧性,普惠金融水平每提高1％,农户家庭经济韧性就提高0.4％,并且这一结果具有稳健性;普惠金融增强农户家庭经济韧性主要通过促进家庭资产积累和促进创业两条路径;异质性分析表明,普惠金融对男性户主、中青年家庭、较高人力资本、收入水平更低、位于中西部地区等特征的农户家庭经济韧性增强效果更好.
Abstract
Using the 2013-2019 China Household Finance Survey(CHFS)data,this study measures the economic re-silience of farm households based on nonlinear dynamics theory andpoverty trap theory,and explores the effect and-mechanism of financial inclusion on farm households'economic resilience in depth.The study finds a robust result as follows.Financial inclusion effectively improves the economic resilience of farm households,with a 0.4％increase in household economic resilience for every l％increase in the level of financial inclusion.Financial inclusion enhances the economic resilience of farm households mainly inthe two ways of promoting household asset accumulation and entrepre-neurship.The heterogeneity analysis shows that financial inclusion is more effective in enhancing the resilience of fol-lowing ones like households headed by men,households of youth and adults,households with higher human capital,households with lower income and households located in central and western regions of China.
关键词
普惠金融/农户家庭经济韧性/资产积累/创业Key words
financial inclusion/economic resilience of rural households/asset accumulation/entrepreneurship引用本文复制引用
出版年
2024
NETL
NSTL
维普
万方数据