第 1 页摘 要 随着我国经济发展进入“新常态”，普惠金融逐渐成为一种新的金融发展趋势，金融作为现代经济的核心，对农村减贫有着重要的作用，普惠金融是助推金融扶贫的重要手段，今年来受到了党和政府的广泛关注。本文首先阐述了本文的研究背景和意义，总结了国内外关于普惠金融的文献，从测度方法研究综述、普惠金融对减贫的作用综述等两个方面梳理了相关理论。结合国内外对普惠金融指数的研究，选取了普惠金融指数（IFI）来测度菏泽市 5 县（区）农村普惠金融的发展，根据菏泽统计年鉴的数据，结合数据的可得性、样本的有效性等考虑后，构建了山东省菏泽市 5 个县(区)普惠金融发展指标体系，利用 2014-2018 年间菏泽市 5 县（区）的金融数据对菏泽市 5 县（区）农村普惠金融发展水平进行测度。实证结果表明，今年来菏泽市农村普惠金融整体呈上升趋势。最后，本文选取 5 县（区）的生产总值、财政支农水平、公路里程、贫困发生率和城乡收入差距等五个指标与普惠金融指数之间进行发展趋势的对比分析，本文在分析指标对金融发展程度影响的基础上，结合菏泽市 5 个县(区)农村普惠金融发展现状，提出促进菏泽市农村普惠金融发展的建议。关键词：普惠金融；农村减贫；政策建议AbstractAs China's economic development has entered the "new normal", inclusive finance has gradually become a new trend of financial development. As the core of modern economy, inclusive finance plays an important role in rural poverty reduction. Firstly, this paper expounds the research background and significance of this paper,summarizes the domestic and foreign literature on inclusive finance, and sorts out relevant theories from two aspects, namely, the research review of measurement methods and the review of the role of inclusive finance in poverty reduction. Combined with the domestic and foreign research related to pratt &whitney financial index, select the pratt &whitney financial index (IFI) to measure the heze 5 counties (area) pratt &whitney rural financial development, according to the heze statistical yearbook data, combined with th...
