程相宾,江修,杨文.我国农村金融包容水平对农民健康状况的影响及区域差异[J].西部论坛,2019,29(5):55-64
我国农村金融包容水平对农民健康状况的影响及区域差异
The Influence of Financial Inclusion Level on the Health Conditions of Peasant Families in China and Its Regional Difference
  
DOI:
中文关键词:  金融包容  农村金融  健康状况  健康冲击  因病致贫  金融包容指数  普惠金融
英文关键词:financial inclusion  rural finance  health condition  health attack  the poverty resulting from the disease  financial inclusion index  financial inclusion
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作者单位
程相宾,江修,杨文 1.北京第二外国语学院 经济学院北京 1000242.深圳大学 经济学院广东 深圳 518060 
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中文摘要:
      金融包容发展会促进经济增长和收入差距缩小,进而促进居民整体健康状况的改善。采用“中国家庭追踪调查”数据考察农村金融包容水平对农民健康状况的影响,结果表明:我国农村金融包容发展总体水平较低,且存在“东部较高、中部居中、西部较低”的区域差异;农村金融包容水平的提升有利于农民健康状况的改善,并且农村金融包容水平越低的地区该效应越大(西部最大,中部次之,东部最小);当农民受到健康冲击时,当地农村金融包容水平的提升有助于缓冲其健康状况的恶化。应加快中、西部地区农村金融包容发展,在提升农村金融包容整体水平的同时缩小区域差异;要通过金融创新使更多的农民得到更多的健康保障,以金融包容发展抑制和消除因病致贫现象的发生。
英文摘要:
      Financial inclusion development can boost economic growth and the decrease of income gap, and further promote the improvement of total health condition of the habitants of China. Based on the data of China Family Panel Studies(CFPS)to examine the influence of rural financial inclusion level on peasants’ health condition, the results show that the total level of China’s rural financial inclusion level is lower, that there is regional difference which indicates that east area is higher, central area is at middle level and the west area is lower, that the promotion of rural financial inclusion level is conducive to the improvement of peasants’ health condition, the lower the area with lower rural financial inclusion level is, the bigger its effect is, e.g., the effect in west area is the biggest, followed in middle area, the effect in east area is smallest, when the health of the peasants is threatened, the promotion of the local rural financial inclusion level is helpful to mitigate the deterioration of their health condition. China should accelerate the development of rural financial inclusion in the middle and west areas, decrease the regional difference while the total rural financial inclusion level is promoted, make more peasants gain the guarantee of health by financial innovation, and use the financial inclusion development to keep down and wipe out the occurrence of the poverty resulting from the disease.
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