A Research On The Poverty Alleviation Performance Of Inclusive Finance In Rural China

Since the reform and opening up more than thirty years,China’s economic development by leaps and bounds.However,China is still a developing country at the present stage,and a large number of poor people have seriously restricted the social progress.Throughout the distribution area of the poor population,most of them are concentrated in rural areas,because of the huge population base of rural poverty,the effect of pure financial aid to poverty alleviation is not significant.At present,the majority of commercial financial institutions in China tend to provide financial products and services to the rich,and the higher credit threshold leads to the difficulty of obtaining financial resources.Rural Inclusive Finance to benefit the poor group’s business philosophy and poverty alleviation goals coincide,in the elimination of poverty is significant.How to play the role of Inclusive Finance in poverty alleviation,the development of rural financial inclusion in different regions and the relationship between the results of regional poverty alleviation needs to be paid attention to.This paper explores the East,central and western regions of the rural inclusive financial poverty alleviation performance,define the relationship between the two,and the use of inclusive finance effectively promote China’s rural poverty alleviation work,help the poor to smooth out of poverty.Based on inclusive finance and anti-poverty theory,this dissertation analyzes the main ways and working mechanism of inclusive finance in rural poverty alleviation,and constructs the theoretical framework of inclusive financial poverty alleviation.In order to test the effect of promoting inclusive financial poverty alleviation,this dissertation from the inclusive financial geographical penetration,financial services availability and use of loans three aspects to measure China’s eastern and western regions of 26 provinces during 2006-2014 inclusive financial development level,and select the appropriate economic indicators and social indicators of achievement to achievement a measure of the eastern and western regions poverty alleviation achievements,the use of DEA model and the Malmquist productivity index to evaluate China’s provinces inclusive financial poverty alleviation performance.The empirical results show that:from the static regions,the comprehensive efficiency of the eastern region and western region inclusive financial poverty alleviation is good,poor comprehensive efficiency of the central region of inclusive financial poverty alleviation;from the dynamic angle of time,half of the province 2006-2014 total factor productivity Malmquist inclusive financial poverty index is less than 1,to enhance the effect of poverty alleviation is slow,the main reason is that technological progress low level.The analysis results based on the DEA model,in order to improve the poor areas of our inclusive financial poverty alleviation performance,puts forward to accelerate the development of inclusive finance,improve the midwest poverty alleviation and increase the pointing accuracy of inclusive financial investment in science and technology policy.