城乡金融发展非均衡化与城乡居民消费差距——基于省级动态面板数据模型的研究

发布时间：2018-01-12 14:19

本文关键词：城乡金融发展非均衡化与城乡居民消费差距——基于省级动态面板数据模型的研究　出处：《当代经济研究》2012年07期 　论文类型：期刊论文

【摘要】：城乡金融发展会通过影响城乡居民收入、消费预期、降低流动性约束和城乡金融中介成本等来间接作用于城乡居民消费。在控制城乡收入差距、人口负担比、居民人均医疗支出、居民人均教育支出、通货膨胀率、利息率等的前提下,城乡金融发展非均衡化与城乡居民消费差距显著正相关。要缩小城乡居民消费差距,不仅需要有效破解城乡金融发展的非均衡化,还需要加快城乡经济的发展,强化社会保障工作,提高政府的宏观调控能力。
[Abstract]:Urban and rural financial development can affect the income of urban and rural residents, consumption expectations, reduce liquidity constraints and urban and rural financial intermediary costs to indirectly affect the consumption of urban and rural residents, in the control of urban-rural income gap, population burden ratio. Under the premise of per capita medical expenditure, per capita education expenditure, inflation rate, interest rate and so on, the non-equalization of urban and rural financial development is significantly positively related to the consumption gap between urban and rural residents, and the consumption gap between urban and rural residents should be narrowed. It is necessary not only to effectively crack the non-equalization of urban and rural financial development, but also to speed up the development of urban and rural economy, strengthen social security work, and improve the government's macro-control ability.
【作者单位】：重庆社会科学院秘书处;中南财经政法大学金融学院;
【基金】：国家社会科学基金资助项目(10XJY0024);国家社会科学基金资助项目(10XJL005)
【分类号】：F832.3;F126.1;F224
【正文快照】： 消费既是生产的最终目的和归宿,又是社会再生产的起点和一国经济平稳发展的持久性动力,消费对于经济社会的发展具有十分重要的作用和意义。[1]改革开放以来,随着我国经济的持续高速增长,我国城乡居民消费能力显著增强。1978年,我国社会消费品零售总额为1558.6亿元,2010年则达

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