普惠金融的体系下我国农村扶贫创新的研究.docVIP

普惠金融的体系下我国农村扶贫创新的研究 　　摘 要：普惠金融体系的构建对于我国农村扶贫创新具有重大意义。本文从人力贫困和知识贫困的角度着手，研究作为普惠金融体系的重要组成部分――金融教育对经济增长的均衡效应，从而对我国农村扶贫创新提供一定的理论依据。理论模型表明，平衡增长路径上的人均产出受到金融教育的影响，其传导机制是金融教育促进了人力资本的提升，而人力资本又对人均产出产生影响；但金融教育的发展是否存在边际收益递减规律，其对经济增长是否存在临界点，需进一步分析。最后对未来我国农村扶贫创新提出了一些新的思考。 　　关键词：普惠金融；扶贫创新；金融教育；人力资本；经济增长 　　中图分类号：F320.2 文献标识码：A DOI 编码：10.3969/j.issn.1006-6500.2017.10.009 　　Study on Innovation of Chinas Rural Poverty Alleviation under Inclusive Financial System 　　ZHU Bao1， ZHAI Shiting2 　　（1. College of Finance and Statistics， Hunan University， Changsha， Hunan 410079， China； 2. Institute of Educational Science， Hunan University， Changsha， Hunan 410079， China） 　　Abstract： The construction of inclusive financial system was of great significance for innovation of Chinas rural poverty alleviation. This paper attempted to start from the perspective of human poverty and knowledge poverty to study the equilibrium effect of financial education which was an important part of inclusive financial system on economic growth， which could provide some theoretical basis for innovation of Chinas rural poverty alleviation. The theoretical model showed that the per capita output on the balanced growth path was affected by financial education. The transmission mechanism was that financial education promotes the improvement of human capital， and human capital has an impact on per capita output. However， whether there was a law of diminishing marginal returns in the development of financial education and whether there was a critical point for economic growth， which needed further analysis. Finally， we put forward some new ideas on the innovation of Chinas rural poverty alleviation in the future. 　　Key words： inclusive finance； innovation of poverty alleviation；financial education；human capital； economic growth 　　2016年11月15日，??务院常务会议通过了《“十三五”脱贫攻坚规划》，明确提出2020年脱贫攻坚的目标：确保农村贫困人口同步进入小康。跨越“中等收入陷阱”，实现经济社会整体达到中等发达国家水平，不仅需要城市经济的发展，更需要广大农村地区贫困人口脱贫致富。自20世纪80年代，我国为了缓解和消灭绝对贫困，提出了区域瞄准扶贫政策，通过设定592个国定贫困县有序消灭贫困人口。2