中国金融市场发展对城乡居民收入差距的影响研究

发布时间：2018-02-04 18:02

本文关键词： 金融市场发展信贷市场股票市场保险市场城乡居民收入差距　出处：《福建师范大学》2014年硕士论文　论文类型：学位论文

【摘要】：自改革开放以来,我国经济取得了迅猛发展,居民收入水平有了很大提高。但在经济发展的同时,城乡居民收入差距却在不断拉大。随着金融市场在国民经济中的地位不断提升,其对居民收入分配的影响日益加大。本文意图从理论和实证研究金融市场发展如何影响我国城乡居民收入差距,并提出缩小城乡居民收入差距的相应政策建议。论文首先阐述了金融市场以及金融市场发展相关概念内涵并构建了衡量金融市场发展的指标体系,接着分析了金融市场发展对收入分配的作用渠道,建立了金融市场发展对居民收入分配影响的理论分析框架。在分析了我国金融市场发展的现状以及城乡居民收入差距发展变化的基础上,从金融子市场发展层面出发,运用金融服务渠道中的三大效应理论解释我国信贷市场、股票市场、保险市场三大市场对城乡居民收入差距的作用影响,推断出金融市场发展会拉大城乡居民收入差距的结论。进而,结合我国金融市场发展指标体系,建立VAR模型,就我国三大金融子市场与城乡居民收入差距之间的关系分别进行实证检验。实证结果表明,无论是信贷市场、股票市场还是保险市场的发展都在一定程度上拉大了城乡居民收入差距。实证分析验证了金融市场发展会扩大城乡居民收入差距的理论与现实分析结果。最后,文章针对中国实际,从金融市场发展的角度提出缩小城乡居民收入差距的相应政策建议。包括加大信贷市场信贷支农力度,加强农村股票市场融资增殖能力,提升保险市场降低农村风险水平作用等。
[Abstract]:Since the reform and opening up, China's economy has made rapid development, the level of income has been greatly improved, but at the same time of economic development. However, the income gap between urban and rural residents is widening. As the financial market in the national economy continues to improve. This paper intends to study how the development of financial market affects the income gap between urban and rural residents in China. And put forward the corresponding policy recommendations to narrow the income gap between urban and rural residents. Firstly, the paper describes the financial market and financial market development related concepts and constructs the index system to measure the financial market development. Then it analyzes the function of financial market development on income distribution. Based on the analysis of the current situation of financial market development and the development of income gap between urban and rural residents, the theoretical analysis framework of the impact of financial market development on the income distribution of residents is established. Based on the development of financial sub-market, this paper explains the effects of the three major markets of credit market, stock market and insurance market on the income gap between urban and rural residents by using the theory of three effects in financial service channels. We infer that the development of financial market will widen the income gap between urban and rural residents. Then, combined with the index system of financial market development in China, the VAR model is established. The relationship between the three financial sub-markets in China and the income gap between urban and rural residents is tested empirically. The empirical results show that the credit market is no matter the credit market. The development of stock market and insurance market to a certain extent has widened the income gap between urban and rural residents. Empirical analysis of the financial market development will expand the income gap between urban and rural residents of the theoretical and practical results. Finally. In view of the reality of China, this paper puts forward the corresponding policy suggestions to narrow the income gap between urban and rural residents from the perspective of the development of financial market, including increasing the credit support for agriculture in the credit market and strengthening the ability of financing multiplication in the rural stock market. Improve the insurance market to reduce the level of rural risk, and so on.
【学位授予单位】：福建师范大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.5;F124.7

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