福建省金融发展对城乡收入差距影响的实证研究

发布时间：2018-04-13 12:57

本文选题：金融发展 + 城乡收入差距　；参考：《福州大学》2014年硕士论文

【摘要】：城乡收入差距体现一个国家收入分配的公平程度,差距过大不利于社会的稳定发展。关于城乡收入差距的研究有很多,但从金融发展视角着手的比较少。金融在社会发展中起到重要的作用,研究金融发展对城乡收入差距的影响对改善城乡收入差距问题具有重要的意义。近年来福建省经济取得较大发展,与此同时城乡收入差距也日益突出,这阻碍了福建省经济快速健康地发展,也影响海峡西岸经济区的建设。因此本文选取福建省为研究对象探讨金融发展与城乡收入差距之间的关系。文章首先介绍金融发展与城乡收入差距相关的理论,并分析两种理论之间的联系,明确了金融发展影响城乡收入差距的主要作用机制,以此作为文章后续分析的基础。然后从福建省总体、各地区、农村等多个角度描述福建省金融发展与城乡收入差距的现状,并结合金融发展对城乡收入差距的作用机理,分析金融发展对城乡收入差距的影响。最后通过收集1978年-2012年相关数据,构建金融综合发展与城乡收入差距VAR模型,金融各行业发展与城乡收入差距VAR模型,并运用协整检验、格兰杰因果检验、脉冲响应分析、方差分解分析等实证方法进一步分析它们之间的关系。实证结果表明,福建省金融综合发展与城乡收入差距存在长期均衡的关系以及单向的格兰杰因果关系,其中金融综合发展与城乡收入差距正相关,并且银行业和证券保险业的发展皆扩大了城乡收入差距。另外证券保险业的发展对城乡收入差距的扩大具有显著的影响。金融发展效率、城镇化率以及财政支农水平与城乡收入差距存在显著的负相关关系以及单向的格兰杰因果关系,并且三者对城乡收入差距的变化具有较大的贡献程度。为缩小城乡收入差距,提升农民收入水平,文章提出了几条政策建议：首先是发展农村金融机构,提升农村金融供给；其次是优化金融机构经营环境,促进资源合理配置；再者是加大证券市场和保险市场服务农村力度；最后是推进城镇化建设,加大财政支农力度。
[Abstract]:The income gap between urban and rural areas reflects the fair degree of income distribution in a country, which is not conducive to the stable development of society.There are many researches on the income gap between urban and rural areas, but few from the perspective of financial development.Finance plays an important role in social development. It is of great significance to study the influence of financial development on the income gap between urban and rural areas.In recent years, Fujian's economy has made great progress, at the same time, the urban-rural income gap has become increasingly prominent, which hinders the rapid and healthy development of Fujian's economy, and also affects the construction of the economic zone on the west side of the Straits.Therefore, this paper chooses Fujian Province as the research object to explore the relationship between financial development and urban-rural income gap.This paper first introduces the theory of financial development and urban-rural income gap, analyzes the relationship between the two theories, and clarifies the main mechanism of financial development affecting the urban-rural income gap, which is the basis of subsequent analysis.Then it describes the current situation of financial development and urban-rural income gap in Fujian Province from the perspectives of overall, regional and rural areas, and analyzes the impact of financial development on urban-rural income gap by combining the mechanism of financial development on urban-rural income gap.Finally, by collecting the relevant data from 1978 to 2012, we construct the VAR model of comprehensive financial development and urban-rural income gap, the VAR model of financial industry development and urban-rural income gap, and use co-integration test, Granger causality test, impulse response analysis.Variance decomposition analysis and other empirical methods to further analyze the relationship between them.The empirical results show that there is a long-term equilibrium relationship between comprehensive financial development and urban-rural income gap and a one-way Granger causality, in which the financial comprehensive development is positively related to the urban-rural income gap.And the development of banking and securities insurance has widened the income gap between urban and rural areas.In addition, the development of securities insurance industry has a significant impact on the widening of income gap between urban and rural areas.Financial development efficiency, urbanization rate and the level of financial support for agriculture have significant negative correlation with the urban-rural income gap and one-way Granger causality, and the three factors have great contribution to the change of urban-rural income gap.In order to narrow the income gap between urban and rural areas and improve the income level of farmers, this paper puts forward several policy suggestions: first, to develop rural financial institutions, to promote rural financial supply, secondly, to optimize the operating environment of financial institutions and to promote the rational allocation of resources;The third is to strengthen the securities market and insurance market to serve the countryside; finally, to promote urbanization and increase financial support for agriculture.
【学位授予单位】：福州大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F124.7;F832.7

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