精准扶贫下小额信贷减贫的门槛效应研究

针对贫困户资金需求特征，实证分析了小额信贷规模对于降低农村农户贫困水平的效果.研究结果表明小额信贷具有显著的减贫效应.第一产业增加值、小额信贷规模以及政府财政支出水平对贫困减缓存在正相关关系.当小额信贷规模小于4.956时能够显著的增加农村农户的收入水平并且在1%的显著性水平下显著，当小额信贷规模突破4.956这一门槛值后，小额信贷减贫效果在1% 的水平下显著，估计系数也由原来的0.079上升为0.119，小额信贷减贫效果有所提升.因此，提升小额信贷的质量比增加其规模更为重要，优化小额信贷的结构，进一步匹配农户的实际需求.

Research on the Threshold Effect of China's Microcredit for Poverty Alleviation under the Background of Accurate Poverty Alleviation

Based on the characteristics of the needs of poor households, this paper empirically analyzes the effect of microfinance scale on reducing the poverty level of rural farmers. The results show that microfinance has a significant poverty alleviation effect. The value added of the primary industry, the scale of microfinance, and the level of government fiscal expenditure have a positive correlation with poverty reduction. When the scale of microfinance is less than 4.956, it can significantly increase the income level of rural farmers and is significant at a significance level of 1%. When the scale of microfinance exceeds the threshold of 4.956, the effect of microfinance in poverty reduction is 1% .The estimated coefficient has risen from 0.079 to 0.119, and the effect of microfinance in poverty reduction has been improved. Therefore, the government should further guide the development of microfinance, promote the optimization and upgrading of the microfinance structure, and keep it consistent with the needs of farmers.