金融集聚对城乡收入差距的影响研究

发布时间：2018-03-17 19:19

本文选题：金融集聚　切入点：城乡收入差距　出处：《湖南科技大学》2017年硕士论文　论文类型：学位论文

【摘要】：金融资源的空间集聚或不均衡分布是否以及如何影响城乡收入差距,现有理论和实证研究尚未给予充分解答,也没有形成共识。为此,本文基于金融集聚视角来探究城乡收入差距的影响机理,尝试为我国城乡收入差距的成因增加一个新的理论解释。此外,在金融集聚影响城乡收入差距机制解析的基础上,通过完善我国金融资源空间配置的制度环境来提升城乡金融资源配置效率,这对于实现共同富裕并缩小城乡收入差具有深远的现实意义。本文的逻辑思路及结构安排如下:首先对金融集聚、城乡收入差距的内涵及度量方法进行简要阐述,并回顾金融集聚与城乡收入差距的相关理论基础;然后,利用区位熵指数方法分析我国银行业、证券业和保险业集聚的现状特征,运用城乡收入比并从时空两个层面剖析我国城乡收入差距的现状特征;接着,疏理金融集聚影响城乡收入差距的直接与间接传导机制,构建两部门经济模型解析金融集聚对城乡收入差距的影响机制,并从实证角度检验金融集聚对城乡收入差距的直接和间接效应及其空间异质性特征;最后,进行总结并提出相应的政策建议。本研究的主要结论为:第一,我国银行业、证券业以及保险业主要集中在东部地区,中部、西部以及东北地区的集聚水平低,而且不同类型的金融集聚在区域内表现出差异化的变化趋势。第二,我国城乡收入差距在总体上历经了一个先上升后下降的倒“U”型变化趋势;西部地区的平均差距高,东部地区平均差距低,而且西部、中部和东北地区的城乡收入差距呈现出下降的趋势。第三,从全国范围来看,银行业和保险业集聚显著降低了城乡收入差距,而且边际效应会随地区经济发展水平的上升而减弱;在东部地区,银行业、证券业及保险业集聚扩大了城乡收入差距,这一正影响会随地区经济发展水平的上升而减弱,中部和东北地区的金融集聚则表现出与东部地区相反的影响效应;在西部地区,银行业和证券业集聚显著扩大了城乡收入差距,保险业集聚却显著缩小了城乡收入差距,而且边际影响都会随西部地区经济发展水平的上升而减弱。
[Abstract]:Whether and how the spatial agglomeration or uneven distribution of financial resources affects the income gap between urban and rural areas has not been fully answered by existing theoretical and empirical studies, nor has a consensus been reached. Based on the perspective of financial agglomeration, this paper explores the influence mechanism of urban-rural income gap, and tries to add a new theoretical explanation for the causes of urban-rural income gap in China. In addition, on the basis of the analysis of the mechanism of financial agglomeration affecting urban-rural income gap, To improve the efficiency of urban and rural financial resources allocation by perfecting the institutional environment of spatial allocation of financial resources in China. This has far-reaching practical significance for realizing common prosperity and narrowing the income gap between urban and rural areas. The logical thinking and structural arrangement of this paper are as follows: firstly, the paper briefly expounds the financial agglomeration, the connotation and measurement method of urban-rural income gap. It also reviews the relevant theoretical basis of financial agglomeration and urban-rural income gap, and then analyzes the present situation characteristics of banking, securities and insurance industry agglomeration in China by using the method of location entropy index. Using the urban-rural income ratio and analyzing the current characteristics of the urban-rural income gap in China from the two aspects of time and space, then, the direct and indirect transmission mechanism of the financial agglomeration affecting the urban-rural income gap is discussed. Constructing two-sector economic model to analyze the influence mechanism of financial agglomeration on urban-rural income gap, and to test the direct and indirect effects of financial agglomeration on urban-rural income gap and their spatial heterogeneity from an empirical point of view; finally, The main conclusions of this study are as follows: first, the banking, securities and insurance industries in China are mainly concentrated in the eastern, central, western and northeast regions of the low level of concentration. Moreover, different types of financial agglomeration show a trend of differentiation in the region. Second, the income gap between urban and rural areas in China has experienced a trend of inverted "U" change, which rose first and then decreased, and the average gap in the western region is high. The average gap in the eastern region is low, and the urban-rural income gap in the western, central and northeast regions has shown a downward trend. Third, nationwide, the concentration of banking and insurance industries has significantly reduced the urban-rural income gap. Moreover, the marginal effect will weaken with the rising level of regional economic development. In the eastern region, the concentration of banking, securities and insurance industries will widen the urban-rural income gap, and this positive effect will weaken with the rising level of regional economic development. The financial agglomeration in the central and northeast regions has the opposite effect with the eastern region. In the western region, the banking and securities industry agglomeration has significantly enlarged the urban-rural income gap, while the insurance industry agglomeration has significantly narrowed the urban-rural income gap. Moreover, the marginal influence will weaken with the rise of the economic development level in the western region.
【学位授予单位】：湖南科技大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F124.7;F832

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