基于金融发展视角下中部地区城乡居民收入差距问题研究

发布时间：2018-05-17 04:14

本文选题：金融发展 + 城乡居民收入差距　；参考：《湘潭大学》2014年硕士论文

【摘要】：围绕我国金融发展进程中城乡居民收入差距的动态演变问题，学术界展开了大量的理论及实证研究。但现有的研究中，绝大多数文献都是对我国总体和东部地区金融发展与城乡居民收入差距动态演变关系进行探讨，却少有聚焦于我国中部地区的文献。在国内外相关文献中，金融发展影响城乡居民收入差距变动的理论机制可以归结为三大效应：即门槛效应、非均衡效应和金融发展的降低贫困效应。同时本文以核心—边缘理论、循环累积因果理论增长极理论和金融发展的三大效应理论为理论基础。在奠定了坚实的理论基础后，本文对中部地区金融发展概况进行了阐述，主要分析了中部地区六个省份金融总体发展概况，尤其对中部农村地区金融发展存在的问题进行了揭示。同时，本文以时间为视角分析了中部地区城乡居民收入的动态演变。此外，本文还对中部地区和东部地区金融发展与城乡居民收入差距互动机制进行了区域对比分析。本文发现，相较于东部沿海发达地区，中部地区省份金融发展水平相对较低，但却有较高的城乡居民收入差距。中部地区金融发展对于城乡居民收入差距的影响，有待于实证分析的辅助。为消除计量模型的内生性问题给实证回归结果带来的影响，，本文选择了工具变量法中的系统广义矩估计方法。本文的主要结论如下：第一，本文的理论分析部分梳理了中部地区金融发展对于城乡收入差距影响的理论机制。金融发展主要通过三大效应影响城乡居民收入差距。第二，本文通过对中部地区金融发展概况和中部地区农村金融发展的现状发现中部地区农村金融机构将大部分信贷资金从农村投向城市，导致农村发展资金缺乏，农业贷款占第一产业比重低。中部地区金融发展的门槛效应和非均衡效应远远大于降低贫困效应。第三，实证回归模型表明，中部地区金融发展对城乡居民收入差距具有正影响，即中部地区金融发展恶化了城乡居民收入差距。同时，城镇化水平的发展则抑制了中部地区城乡居民收入差距的进一步扩大，产业结构调整和政府对经济活动的干预则扩大了中部地区城乡居民收入差距。经济发展和经济的开放对中部地区城乡居民收入差距的影响则不显著。
[Abstract]:Focusing on the dynamic evolution of income gap between urban and rural residents in the process of financial development in China, a large number of theoretical and empirical studies have been carried out in academic circles. However, most of the existing studies are focused on the relationship between the financial development and the income gap between urban and rural residents in the eastern and general areas of China, but there is little literature focused on the central region of China. In the relevant literature at home and abroad, the theoretical mechanism of financial development affecting the change of income gap between urban and rural residents can be attributed to three effects: threshold effect, non-equilibrium effect and poverty reduction effect of financial development. At the same time, this paper is based on the core-edge theory, the cyclic cumulative causality theory, the growth pole theory and the three-effect theory of financial development. After laying a solid theoretical foundation, this paper expounds the general situation of the financial development in the central region, mainly analyzes the general situation of the financial development of the six provinces in the central region. In particular, the financial development of the central rural areas of the existing problems are revealed. At the same time, this paper analyzes the dynamic evolution of urban and rural residents' income in central China from the perspective of time. In addition, this paper makes a regional comparative analysis of the interaction mechanism between the financial development and the income gap between urban and rural residents in the central and eastern regions. This paper finds that the financial development level of central provinces is relatively low, but there is a higher income gap between urban and rural residents. The influence of financial development on the income gap between urban and rural residents in central China needs to be assisted by empirical analysis. In order to eliminate the influence of the endogenous problem of the econometric model on the empirical regression results, this paper chooses the method of system generalized moment estimation in the tool variable method. The main conclusions are as follows: first, the theoretical analysis of the impact of financial development in central China on the urban-rural income gap. Financial development mainly affects the income gap between urban and rural residents through three effects. Secondly, through the general situation of the financial development in the central region and the present situation of the rural financial development in the central region, it is found that most of the credit funds of the rural financial institutions in the central region are poured into cities from the rural areas, resulting in the lack of funds for rural development. Agricultural loans account for a low proportion of the primary industry. The threshold effect and unbalanced effect of financial development in central China are far greater than that of poverty reduction. Thirdly, the empirical regression model shows that the financial development in the central region has a positive impact on the income gap between urban and rural residents, that is, the financial development in the central region has worsened the income gap between urban and rural residents. At the same time, the development of urbanization inhibits the further expansion of income gap between urban and rural residents in the central region, and the adjustment of industrial structure and government intervention in economic activities widen the income gap between urban and rural residents in the central region. The impact of economic development and economic opening on the income gap between urban and rural residents in central China is not significant.
【学位授予单位】：湘潭大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F124.7;F832

【参考文献】