目录
摘 要 4
关键词 4
ABSTRACT 5
KEY WORDS 5
引言
二、文献综述 7
（一）金融扶贫相关研究 7
1.金融手段与减贫效应的研究 7
2.金融扶贫的实施 7
（二）可持续生计相关研究 9
（三）文献评述 9
三、数据来源、模型选择与变量 9
（一）数据来源 9
（二）模型选择 10
（三）变量选择与描述 11
四、金融扶贫政策对贫困户经济收入的实证分析 12
（一）样本描述性统计 12
（二）Heckman两阶段模型实证分析 14
（三）结果分析 14
五、金融扶贫政策对贫困户发展和社交能力影响的案例分析 15
（一）发展能力 15
（二）社交能力 17
六、结论及启示 17
参考文献 18
致谢 20
表1 变量的描述性统计结果 11
表2 调查样本参与意愿统计 ..12表3 调查样本不同借贷需求分布统计 12
表4 调查样本主要致贫原因统计 12
表5 样本受教育水平和参加扶贫模式后受培训情况统计 13
表6 样本投资选择情况统计 13
表7 Heckman两阶段模型的估计结果 14
表8 调查样本劳动力就业情况一览表 16
表9 调查样本参与社区活动情况一览表17
金融扶贫政策对贫困户可持续生计的影响研究
——基于河南虞城的调查
摘 要
金融扶贫模式的实施效果影响精准扶贫、精准脱贫政策目标的最终实现。本文基于河南省虞城县实施金融扶贫政策调查数据，将“可持续生计”划分为经济能力、发展能力和社交能力，运用Heckman两阶段方法分析贫困户参与金融扶贫模式程度对其经济能力的发展影响，采用案例分析方法讨论了扶贫过程中产业发展对贫困户发展能力、社交能力的作用，进而对不同类型贫 *51今日免费论文网|www.51jrft.com +Q: ^351916072* 
困户参与金融扶贫的效果进行总体评估。研究结果表明：参与金融扶贫有助于提升贫困户的经济能力；贷款金额较大和参加多个项目的贫困户的发展能力和社交能力有所提高；参与扶贫模式后的技能培训对贫困家庭可持续生计有显著影响；贫困户对当地金融扶贫的参与意愿受到户主年龄、教育水平、主要致贫原因和耕地面积的影响。最后提出了增强贫困户可持续生计的对策建议。
RESEARCH ON THE IMPACT OF FINANCIAL POVERTY ALLEVIATION POLICIES ON THE SUSTAINABLE LIVELIHOOD OF POOR FARMERS: BASED ON A SURVEY OF YUCHENG CITY, HENAN PROVINCE
ABSTRACT
The implementation effect of financial poverty alleviation affects the realization of targeted poverty alleviation. The study is based on the investigation data of financial poverty alleviation policy in Yucheng county, Henan province. From the perspective of ability, "sustainable livelihood" is divided into economic ability, development ability and social ability. The Heckman(1979) twostage method was used to analyze the impact of poor households participation in financial poverty alleviation mode on their economic capacity. Taking Yucheng as a case to analyze the role of industrial development in poverty alleviation on the development ability and social communication ability of the povertystricken households in the region; Poverty reduction effects of different types of poor households were evaluated. The results show that participating in financial poverty alleviation can improve the economic capacity of poor households. The development ability and social skills of poor households with large loan amount and participating in multiple projects were improved; Skills training has a significant impact on the sustainable livelihoods of poor families; The participation willingness of poor households is influenced by the age of household head, education level, main causes of poverty and cultivated area. Finally, based on the existing research, suggestions are made to improve the sustainable livelihood of poor households.

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