农村金融供给侧改革对城乡收入差距门槛效应的实证研究

发布时间：2018-05-19 22:35

本文选题：城乡收入差距 + 金融发展规模　；参考：《河南师范大学学报(哲学社会科学版)》2017年06期

【摘要】：农村普惠金融体系建设是现阶段农村金融供给侧结构性改革的核心目标,当前城乡收入差距的扩大已经成为制约普惠金融体系建设的关键。运用一般回归模型和门槛效应模型就金融供给侧改革对城乡收入差距的门槛效应进行实证分析,研究结果显示,金融发展规模和金融发展效率均与城乡收入差距负相关,两者对城乡收入差距均为单门限效应,突破门限值之后,两者均有助于缩小城乡收入差距。同时,城市化率的提高有利于缩小城乡收入差距,第三产业占比的提高会扩大城乡收入差距,市场开放程度的影响效应并不显著。因此,要促进农村金融突破发展门槛值,引导金融资金支持三农发展,提高银行系统效率,推动农村金融供给侧改革的进程,进而逐步缩小城乡收入差距。
[Abstract]:The construction of rural inclusive financial system is the core goal of the supply-side structural reform of rural finance at present, and the expansion of urban-rural income gap has become the key to restrict the construction of inclusive financial system. By using general regression model and threshold effect model, this paper makes an empirical analysis on the threshold effect of financial supply-side reform on urban-rural income gap. The results show that the scale of financial development and the efficiency of financial development are negatively correlated with urban-rural income gap. Both of them have a single threshold effect on urban-rural income gap. After breaking the threshold, both of them can help to narrow the urban-rural income gap. At the same time, the increase of urbanization rate is beneficial to narrow the income gap between urban and rural areas, and the increase of the proportion of tertiary industry will enlarge the income gap between urban and rural areas, and the effect of market opening degree is not significant. Therefore, it is necessary to promote rural finance to break through the threshold of development, guide financial funds to support the development of agriculture, rural areas and farmers, improve the efficiency of the banking system, promote the process of rural financial supply-side reform, and gradually narrow the income gap between urban and rural areas.
【作者单位】：西安交通大学经济与金融学院;
【分类号】：F124.7;F832.35

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