山东省金融发展影响城乡收入差距的实证研究

发布时间：2018-01-21 01:19

本文关键词： 金融发展农村金融城乡收入差距农民增收　出处：《中国海洋大学》2014年硕士论文　论文类型：学位论文

【摘要】：十八届三中全会把全面深化经济体制改革作为2014年经济工作的重点，而金融改革无疑是2014年改革的重头戏。素以“大象经济”著称的山东，经济总量虽然很大，但金融业总体发展水平不高，金融服务实体经济的实力不强，为此，山东省出台了深化金融改革的22条措施，金改的效应将会提高金融服务实体经济的能力，让企业及更广大的“三农”受益。金融不仅具有资源配置功能也具有收入分配功能，在全省金融改革的背景下，面对不断拉大的城乡收入差距，金融不仅要发挥资源配置的功能，，也要发挥收入分配的功能，如果山东能够在实现金融强省的同时改善收入分配，那么其金改效应对全省乃至全国将具有重要意义。本文旨在：以国内外已有研究为参考，结合中国二元经济结构的特征，研究分析山东金融发展与城乡收入差距问题。具体解决两个问题：一是金融发展的非均衡对城乡收入差距的影响；二是金融发展的减贫效应与城乡收入差距的关系。首先，本文简要概述金融发展影响收入分配差距的相关理论；其次，基于山东省实际，分析了山东省整体、地区间和城乡间金融发展差异以及城乡收入差距的现状。在实证研究上，运用面板数据模型实证检验金融发展对城乡收入差距的影响。实证结果显示，就全省而言，金融发展效率与城乡收入差距存在倒U型关系，而金融发展规模与城乡收入差距不存在此关系。为了进一步研究农村金融发展的减贫效应，本文以山东省1983--2012年的数据为基础，构建VAR模型实证检验了山东农村金融发展对于农民增收的效应。通过脉冲响应分析得到农村金融发展规模对农民增收具有持久的促进作用，但是农村金融的发展没有缩小城乡收入差距。基于本文的研究得到的启示：金融要调节城乡收入差距，首先要逐步缩小金融二元性，推动城乡金融资源均衡配置，其次要创造平等融资环境，发展农村普惠金融体系，赋予农民更多的财产权利。此外，产业结构调整、农村劳动力转移和人力资本的提高有助于缩小城乡收入差距。
[Abstract]:The third Plenary session of the 18 CPC Central Committee made the overall deepening of economic system reform the focus of economic work in 2014, while the financial reform was undoubtedly the most important part of the reform in 2014. Shandong Province, known as "Elephant economy", is known as the "Elephant economy". Although the total economic volume is very large, the overall development level of the financial industry is not high, and the strength of the financial service entity economy is not strong. For this reason, Shandong Province has issued 22 measures to deepen the financial reform. The effect of gold reform will improve the ability of the financial service real economy and benefit the enterprises and the broader "agriculture, countryside and farmers". Finance not only has the function of resource allocation but also the function of income distribution, under the background of the financial reform of the whole province. In the face of the widening urban-rural income gap, finance should not only play the role of resource allocation, but also play the role of income distribution, if Shandong can achieve a strong financial province while improving income distribution. So its gold reform effect on the whole province and even the whole country will have important significance. The purpose of this paper is to combine the characteristics of China's dual economic structure with the reference of domestic and foreign studies. This paper studies and analyzes the problems of financial development and urban-rural income gap in Shandong Province. Two specific problems are solved: one is the influence of disequilibrium of financial development on urban-rural income gap; The second is the relationship between the poverty reduction effect of financial development and the income gap between urban and rural areas. Secondly, based on the reality of Shandong Province, this paper analyzes the financial development difference and the income gap between urban and rural areas in Shandong Province as a whole. The panel data model is used to test the impact of financial development on the urban-rural income gap. The empirical results show that the financial development efficiency and urban-rural income gap is inversely U-shaped. In order to further study the poverty reduction effect of rural financial development, this paper based on the data of Shandong Province from 1983 to 2012. The VAR model empirically tests the effect of rural financial development on farmers' income increase in Shandong Province. Through impulse response analysis, it is concluded that the scale of rural financial development has a lasting role in promoting farmers' income. However, the development of rural finance has not narrowed the income gap between urban and rural areas. Based on the study of this paper, the enlightenment: to adjust the urban-rural income gap, finance should gradually reduce the duality of finance, promote the balanced allocation of urban and rural financial resources, and then create an equal financing environment. In addition, the adjustment of industrial structure, the transfer of rural labor force and the improvement of human capital can help to narrow the income gap between urban and rural areas.
【学位授予单位】：中国海洋大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.7;F124.7

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