我国金融效率与城乡居民收入差距分析

发布时间：2018-03-03 13:06

本文选题：金融效率　切入点：城乡收入差距　出处：《天津财经大学》2014年硕士论文　论文类型：学位论文

【摘要】：1978年改革开放至今,伴随着我国经济的快速发展,城乡居民收入差距日渐扩大,这严重影响到我国社会稳定。金融效率,作为衡量金融发展水平的重要指标,是指金融资源的配置效率,它不仅能够推动经济快速发展,而且有利于改善居民收入。但由于我国特殊的城乡二元经济结构,导致了城乡金融效率呈现出不均衡现状,农村金融效率低下,极大影响着居民收入差距。因此,文章从我国金融效率非均衡的角度探讨其对居民收入差距的影响,重点提出提高农村金融效率以增加农民收入的政策建议,有利于缩小城乡收入差距。这篇文章通过借鉴国内外不同学者关于金融发展与收入分配关系的研究成果,结合金融效率的定义及其提升居民收入的一般原理,考察了金融效率对于缩小城乡居民收入差距的经济意义。首先,通过对金融效率与收入差距理论的阐述,分析了城乡金融效率差异对居民收入差距的影响；其次,结合我国具体国情,考察了城乡金融效率的非均衡现状与城乡居民收入差距的关系；再次,选取城乡金融效率非均衡与居民收入差距指标,构建向量自回归模型,实证检验两者间的关系。研究结果表明,城乡金融效率的非均衡拉大了居民收入差距,这一问题的根源在于农村金融效率低下,无力促进农村经济发展,农民收入增长缓慢。因此,应该重点提高农村金融效率,促进城乡金融效率的均衡,以缩小居民收入差距。最后,论文在理论与实证分析的基础上,对如何平衡我国城乡金融效率以缩小居民收入差距提出建议,即：提高农村储蓄动员效率、增强农村储蓄投资转化能力、加大金融机构对乡镇企业的扶持力度。
[Abstract]:Since 1978, with the rapid economic development of our country, the income gap between urban and rural residents has been widening day by day, which has seriously affected the social stability and financial efficiency of our country, as an important indicator to measure the level of financial development. It is the allocation efficiency of financial resources, which can not only promote the rapid development of economy, but also improve the income of residents. However, due to the special dual economic structure of urban and rural areas in China, the financial efficiency of urban and rural areas presents an unbalanced situation. The low efficiency of rural finance greatly affects the income gap of residents. Therefore, from the angle of disequilibrium of financial efficiency in our country, this paper discusses its influence on the income gap of residents. It is helpful to narrow the income gap between urban and rural areas. This paper draws lessons from the research results of different scholars at home and abroad on the relationship between financial development and income distribution. Combined with the definition of financial efficiency and the general principle of promoting residents' income, this paper investigates the economic significance of financial efficiency in narrowing the income gap between urban and rural residents. First, it expounds the theory of financial efficiency and income gap. It analyzes the influence of the difference of urban and rural financial efficiency on the income gap of residents. Secondly, combined with the specific conditions of our country, it examines the relationship between the disequilibrium of urban and rural financial efficiency and the income gap between urban and rural residents. Thirdly, This paper selects the indexes of non-equilibrium of urban and rural financial efficiency and income gap of residents, constructs vector autoregressive model, and empirically tests the relationship between the two. The research results show that the disequilibrium of urban and rural financial efficiency widens the income gap of residents. The root of this problem lies in the low efficiency of rural finance, the inability to promote the development of rural economy, and the slow growth of farmers' income. Therefore, we should focus on improving the efficiency of rural finance and promoting the balance between urban and rural financial efficiency. Finally, on the basis of theoretical and empirical analysis, the paper puts forward some suggestions on how to balance the urban and rural financial efficiency in order to narrow the income gap, that is, to improve the efficiency of rural savings mobilization. Strengthen rural savings and investment transformation capacity, increase financial institutions to support township enterprises.
【学位授予单位】：天津财经大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.5;F124.7

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