CAJ | 학술논문

采用面板向量自回归模型（PVAR）来研究农村正规金融、非正规金融发展的减贫效应。研究发现，农村正规金融发展存在一定的当期减贫效应，但持续减贫效应不显著。具体表现为仅在缓解农村贫困人口之间收入不平等程度上发挥了积极效应，而对减少农村绝对贫困人口数量和缓解农村贫困人口的收入短缺程度上没有发挥积极效应。农村非正规金融发展不仅具有较强的当期减贫效应，而且具有长期持续的减贫效应。其降低农村绝对贫困程度的效应要大于降低农村贫困人口相对收入短缺和收入不平等程度的效应。
채용면판향량자회귀모형（PVAR）래연구농촌정규금융、비정규금융발전적감빈효응。연구발현，농촌정규금융발전존재일정적당기감빈효응，단지속감빈효응불현저。구체표현위부재완해농촌빈곤인구지간수입불평등정도상발휘료적겁효응，이대감소농촌절대빈곤인구수량화완해농촌빈곤인구적수입단결정도상몰유발휘적겁효응。농촌비정규금융발전불부구유교강적당기감빈효응，이차구유장기지속적감빈효응。기강저농촌절대빈곤정도적효응요대우강저농촌빈곤인구상대수입단결화수입불평등정도적효응。
In this paper , we use panel vector auto-regression model (PVAR ) to study poverty reduction effect of rural formal and non-formal finance .The results show that the poverty reduction effects from formal financial is only significant in reducing the poverty among poverty people ,and no positive effect on reducing number of people of the extent of absolute poverty and revenue shortfall of poor rural people .Non-formal rural financial development not only has a strong effect of the synchronous poverty reduction ,but also has long-term sustainability of poverty reduction effects .Its reduced the degree of absolute poverty in rural areas is greater than the effect of reducing relative income shortfall rural poor people and income inequality .