| 摘要: |
| 鉴于BRIC国家拥有大量的农村人口，提升金融系统的可及性对改善收入不平等状况、减少贫困具有重要的意义。金砖国家是否实现这些目标是一个值得关注的问题。本文以BRIC国家为例，实证考察了2004年到2017年期间金融包容性对收入不平等、贫困和存款增长率的影响。实证结果表明，金融包容性能有效降低收入不平等，但失业率、转移支付、出口和经济增长都会导致收入不平等加剧。此外，包容性财富并不能改善贫困发生率。但高等教育入学率、出口和人均GDP增长都能有效改善贫困。最后，经验证据表明，人均GDP增长能有效提升存款增长率。 |
| 关键词: 金融包容性;BRIC,;收人不平等;贫困 |
| DOI： |
| 分类号:F810.45 |
| 基金项目:浙江省自然科学项目“本土市场效应与跨境电商市场势力提升：长三角典型案例与经验证据”
（LY18G030040）。 |
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| The Effect of Financial Inclusion on Income Inequality and Poverty Improvement—Empirical Analysis Based on BRIC |
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GU Guoda ；WU Wanshan1,2
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1.School of Economy, Zhejiang University;2.School of Economy, Zhejiang University of Technology
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| Abstract: |
| This paper selects five dimensional indicators such as payment environment conditions, credit access conditions, insurance environment conditions which includes 25 sub-indicators such as the number of per capita mobile payments etc., to construct the evaluation index system of inclusive finance in ethnic areas. That takes 9 ethnic areas in Guizhou as samples to analyze the development of inclusive financial situation between 2014-2016 by using the factor analysis method. The results shows: firstly, inclusive financial development level gradually getting better in Guizhou province, but part of the deeply poor areas get little change. Secondly, the development of inclusive finance in Guizhou province shows regional differences, Guiyang is in the absolutely leading position. Thirdly, basic financial services are the main factors causing the change of inclusive finance, and financial services, credit construction, financial infrastructure equal level are indispensable. |
| Key words: Financial Inclusion; BRIC; Income Inequality; Poverty |
