河南省金融发展对城乡收入差距影响的实证分析

发布时间：2018-05-08 01:38

本文选题：河南省 + 金融发展　；参考：《辽宁大学》2017年硕士论文

【摘要】：自1978年以来,中国经济高速发展,人民生活得到改善,经济结构持续优化,金融业的比重持续增加,2015年河南省的金融业增加值占比4.05%,比2005年增加2.35个百分点,河南省人均GDP由1978年的232元增加到2014年的37072元,但是人民生活水平提高的同时,城乡收入差距也在逐渐扩大,河南省城乡收入差距由1978年的210元增长到2014年的14975元,在发展经济的同时,缩小城乡收入差距、提高社会公平已经成为当务之急。本文采用了理论与实证、定性和定量相结合的分析方法,第一章对国内外文献进行了梳理,将文献分为了三类:金融发展扩大收入差距、金融发展缩小收入差距和金融发展对收入差距的影响需要分类分析,第二章进行了理论分析,先介绍了金融发展的概念和测度,对金融发展和城乡收入差距的各个理论进行分类,再从非均衡机制、门槛机制和经济增长机制角度阐述了金融发展对城乡收入差距的传导机制;在第三章现状分析部分,搜集了河南省1978年至2014年的相关数据,首先从银行业、证券业和保险业三个角度介绍了河南省金融机构的运行状况和金融业整体的发展状态,接着从金融发展规模和金融发展效率两个角度衡量了金融发展,选用FIR指标研究金融发展规模,从银行体系存贷比和固定资产投资两个角度考察金融发展效率,接着分析了城乡金融二元结构,选用了农业贷款比和城乡银行密度差异两个指标;在城乡收入差距部分,从城乡收入差、城乡收入比和泰尔系数三个角度进行了衡量,并与全国的情况进行对比,分析了城乡收入差距的趋势;第四部分,选取了河南省1978年至2014年的数据,实证分析了金融发展规模、效率、结构和城乡收入差距的关系,并用产业结构作为控制变量,进行了单位根检验、协整分析和格兰杰因果检验,用数据证实了它们之间存在长期关系,金融规模、效率和产业结构有助于缩小城乡收入差距、金融发展结构恶化了收入差距;在最后一个章节,根据前文的研究,提出了构建全方位的金融体系、加强乡镇企业信贷供给、加强金融创新、统筹城乡发展一体化、工业反哺农业的政策建议。
[Abstract]:Since 1978, China's economy has developed at a high speed, people's living standards have improved, the economic structure has been continuously optimized, and the proportion of the financial industry has continued to increase. In 2015, the added value of the financial sector in Henan Province accounted for 4.05 percent, an increase of 2.35 percentage points over 2005. The per capita GDP in Henan Province increased from 232 yuan in 1978 to 37072 yuan in 2014, but at the same time the income gap between urban and rural areas is gradually widening as the standard of living of the people is improved. The income gap between urban and rural areas in Henan Province has increased from 210 yuan in 1978 to 14975 yuan in 2014. At the same time of economic development, narrowing the income gap between urban and rural areas and improving social equity has become an urgent task. The first chapter combs the literature at home and abroad and divides the literature into three categories: the financial development expands the income gap. It is necessary to classify the financial development to narrow the income gap and the impact of the financial development on the income gap. The second chapter makes a theoretical analysis, first introduces the concept and measurement of financial development. It classifies the theories of financial development and urban-rural income gap, and then expounds the transmission mechanism of financial development to urban-rural income gap from the angle of non-equilibrium mechanism, threshold mechanism and economic growth mechanism. This paper collects the relevant data of Henan Province from 1978 to 2014. First of all, it introduces the operating status of financial institutions and the overall development of the financial industry in Henan Province from the perspectives of banking, securities and insurance. Then it measures the financial development from the financial development scale and the financial development efficiency two angles, selects the FIR index to study the financial development scale, examines the financial development efficiency from the banking system deposit-loan ratio and the fixed assets investment two angles. Then it analyzes the dual structure of urban and rural finance, selects two indicators of agricultural loan ratio and urban and rural bank density difference; in the part of urban-rural income gap, measures it from three angles: urban-rural income difference, urban-rural income ratio and Thiel coefficient. In the fourth part, the author selects the data from 1978 to 2014 in Henan Province, and analyzes the relationship between the scale of financial development, efficiency, structure and urban-rural income gap. With the industrial structure as the control variable, the unit root test, cointegration analysis and Granger causality test are carried out. The data show that there is a long-term relationship between them. The financial scale, efficiency and industrial structure can help to narrow the income gap between urban and rural areas. The structure of financial development has worsened the income gap; in the last chapter, according to the previous study, it is proposed to build a comprehensive financial system, strengthen the credit supply of township enterprises, strengthen financial innovation, and coordinate the integration of urban and rural development. Policy recommendations on Industry feeding back Agriculture.
【学位授予单位】：辽宁大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.7;F124.7

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