金融集聚、产业结构升级与城乡居民收入差距

发布时间：2018-06-06 05:54

本文选题：金融集聚 + 银行业集聚　；参考：《金融论坛》2014年12期

【摘要】：本文分析中国2006~2012年31个省市金融集聚、产业结构升级对城乡收入差距的影响。研究结果表明:金融集聚会通过直接效应和影响产业结构升级间接对城乡居民收入差距产生显著性影响;银行业集聚、证券业集聚和保险业集聚对城乡居民收入差距的影响存在差异,银行业集聚水平的提高缩小城乡居民收入差距,而证券业集聚水平和保险业集聚水平的提高拉大城乡居民收入差距;提高产业结构升级水平,有助于缩小城乡居民收入差距。在保障银行业稳健发展的前提下,应提高证券业和保险业的发展规模,促进农村地区证券市场和保险市场的发展,降低准入门槛。
[Abstract]:This paper analyzes the effects of financial agglomeration and industrial structure upgrading on the income gap between urban and rural areas in 31 provinces and cities in China from 2006 to 2012. The results show that financial agglomeration has a significant impact on the income gap between urban and rural residents through direct effects and industrial structure upgrading. The influence of securities agglomeration and insurance agglomeration on the income gap between urban and rural residents is different, and the improvement of banking agglomeration level reduces the income gap between urban and rural residents. The improvement of the level of securities industry agglomeration and insurance industry agglomeration will widen the income gap between urban and rural residents, and improve the upgrading level of industrial structure, which will help to narrow the income gap between urban and rural residents. On the premise of ensuring the steady development of the banking industry, we should increase the scale of the development of the securities and insurance industries, promote the development of the securities and insurance markets in rural areas, and lower the barriers to entry.
【作者单位】：石河子大学商学院;
【基金】：新疆生产建设兵团社科基金项目“兵团新型金融组织创建与发展研究”(11BTYB07) 石河子大学高层次人才项目“基于普惠制的新疆农村金融体系建设研究”(RCSX201109)
【分类号】：F832;F121.3;F124.7

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