中文摘要：

阐释普惠金融减贫机理、测度普惠金融发展水平、评估普惠金融减贫绩效对推进中部地区金融扶贫具有重要意义。普惠金融通过金融服务对象的拓展缓解农村地区信贷约束并增加贫困农民收入,保险产品的普遍应用提升＂因病致穷＂等风险冲击的抵御能力,金融产品成本的削减增强农民使用金融产品的意愿和能力等途径减缓农村贫困。2005年以来中部地区普惠金融发展水平得到明显提升,其综合指数、广度指数和深度指数的均值分别由2005年的0.349、0.284和0.510提升到2014年的0.850、0.898和0.727。在1%置信水平上,普惠金融综合指数和广度指数每提升1个百分点,农村贫困率分别下降0.151和0.122个百分点,普惠金融深度指数的回归系数为负但并不显著。可通过加快发展农村中小型金融机构和农村保险等措施来提升普惠金融服务的广度。

英文摘要：

It is important to explain the poverty alleviation mechanism and to measure the development level and to test poverty alleviation effect of inclusive financial system. Inclusive financial system relieves rural areas credit constraints and increase poor farmers＇ income through expanding the scope of financial services, improves risk shock such as ＂poor caused by illness＂ resistant ability by widely using insurance products, increases farmers＇ willingness and ability to use financial products by cutting financial products price to alleviate rural poverty. Sec- ondly, the composite index and sub-index of inclusive in central region significantly improved since 2005. Thirdly, at the 1% confidence level, the rural poverty rate would be decreased 0. 151 and 0. 122 percentage points if com- posite index and breadth index of inclusive financial system increased one percentage point, the regression coeffi- cients of inclusive financial depth index is negative but not significant. Based on this, this paper puts forward some policy suggestions such as accelerate the development of small and medium-sized rural financial institutions and ru- ral insurance.