中国金融包容性发展与城乡居民收入增长

发布时间：2018-03-21 14:30

本文选题：金融包容性发展　切入点：金融服务　出处：《现代财经(天津财经大学学报)》2017年10期 　论文类型：期刊论文

【摘要】：首先从金融服务可获得性、使用效用性、可持续性和创新性4个维度设计了金融包容性发展的评价指标体系,并计算和比较了2005-2015年中国31个省市的金融包容性发展综合指数及其区域差异,在此基础上实证研究了金融包容性发展对城乡居民收入增长及城乡收入差距的影响效应。研究结果表明:中国金融包容性发展水平整体偏低,且呈现出"先升后降"的变化趋势,金融服务可获得性对综合指数的贡献最大;中国金融包容性发展存在巨大的区域间差异和区域内差异,东部地区明显高于中西部地区,同一区域内金融包容性发展综合指数处于中间水平的省份变动相对较大;金融包容性发展有助于促进城乡居民收入增长和缩小城乡居民收入差距。
[Abstract]:Firstly, the evaluation index system of financial inclusive development is designed from the four dimensions of financial service availability, utility, sustainability and innovation. The comprehensive index of financial inclusive development of 31 provinces and cities in China from 2005 to 2015 and its regional differences are calculated and compared. On this basis, the paper empirically studies the effect of financial inclusive development on income growth and income gap between urban and rural residents. The results show that the overall level of financial inclusive development in China is on the low side. Moreover, there is a trend of "rising first and then descending". The financial service availability contributes the most to the comprehensive index. There are great regional and intraregional differences in financial inclusive development in China, and the eastern region is obviously higher than the central and western regions. In the same region, the provinces with comprehensive index of financial inclusive development are in the middle level, and the financial inclusive development helps to promote the income growth of urban and rural residents and narrow the income gap between urban and rural residents.
【作者单位】：西南大学经济管理学院;内蒙古大学经济管理学院;
【基金】：重庆市社会科学规划项目(2016BS112) 西南大学中央高校基本科研业务专项资金资助(SWU1709304)
【分类号】：F126.2;F832

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