Research On Inclusive Financial Anti-poverty Of China's Western Region

Poverty has long been a hot topic,after years of struggle against poverty,China is still unable to eradicate poverty..At the same time,our country's development imbalance development is outstanding,the gap between rich and poor is widening,the western region as the main battlefield of China's anti-poverty in the new era,the problem of poverty is particularly obvious.But it is worth noting that China's anti-poverty are marching towards accurate and comprehensive,the decision of financial support for the implementation of anti-poverty was published in 2016,with inclusive finance as the basis of development,every household in every village can enjoy a comprehensive and convenient financial service to help the poor people out of poverty.This paper aims at alleviating poverty in inclusive finance,Firstly,introduce the paper research background and significance,Thirdly,demonstrate the development of poverty and inclusive finance in the western region,build a inclusive financial comprehensive index,from the three aspects of geographic dimension,demographic dimension of service availability,actually using dimension to build six index,and measure the level of financial development in the western region.After that,drawing on the UN's recommended human development index,from the three aspects of economic,education,and health to measure the poverty level in the western region,find out the current situation of financial anti-poverty in the western region.In order to further examine the effect of inclusive finance on poverty alleviation,and to verify the theoretical analysis of the poverty alleviation of inclusive finance,this paper uses the data from 2005-2015 measure inclusive finance level and the comprehensive indicators of poverty,inclusive finance is the independent variable,poverty is the dependent variable,select the industrial structure,the condition of public services,income and other three indicators as control variables,using the panel data analysis to test the anti-poverty effect of inclusive finance,At last,produce the following conclusion: Firstly,the overall level of inclusive financial is very low in western region,the development speed is slow,and the development level of the provinces is quite different;Secondly,human development in the western region is at the middle level and poverty is less severe;Thirdly,the anti-poverty effect of inclusive finance is obvious in the western region,but coefficient of the anti-poverty is small,and it still needs to strengthen the popularization and deepening of financial development in the western region.Fourthly,In every dimension of inclusive finance: service coverage,the availability of financial services and financial resources of the actual efficiency can significantly alleviate poverty,about the control variable,industrial structure index,employment status index and economic growth index also have good poverty reduction effect.In the end,combine what has been discussed above and the level of development in the west area The anti-poverty policy and recommendations are put forward from financial system,innovative financial services and products,optimize infrastructure of financial,explore the fiscal and taxation system,strengthen the education and practice five aspects.