关键词: 普惠金融 , 致贫效应 , 空间外溢

Abstract: Using the data of 592 poverty counties in China, this paper analyzes the effects of inclusive finance on the county capital outflow by using spatial econometric models, and verifies whether capital overflow will produce a poverty effect in poverty countiesThe results indicate as follows:If inclusive finance only pays attention to the solution of exclusion of financial institutions in poverty areas, it will further exacerbate capital outflow, and have a negative impact on poverty reduction, which is a significant poverty effectAt the same time, the poverty effect has an obvious spatial spillover effectsTo a great extent, the poverty situation in neighboring counties will be “contagious”This kind of spatial spillover effect has a geographical boundary which has spatial attenuation characteristicTherefore, we need to understand the nature of inclusive finance objectively, and choose appropriate and effective carrier of implementation to solve the exclusion of credit products and other key financial services

Key words:  inclusive finance , poverty effect , spatial spillover