内蒙古金融发展对城乡居民收入差距影响的实证研究

发布时间：2018-04-18 07:24

本文选题：金融发展 + 城乡收入差距　；参考：《内蒙古财经大学》2013年硕士论文

【摘要】：金融对于一个社会的经济发展起着至关重要的作用，而经济的金融化已逐渐成为各国各地区经济发展的必然趋势。改革开放以来，内蒙古经济飞速发展，二十一世纪头十年，年均经济增长率达到18.7%。经济增长率在2002—2009年连续8年居全国第一。伴随着经济的快速发展，内蒙古金融业也取得了较快发展，基本建成多种金融机构并存的多元化市场格局，金融资产总量不断上升。针对收入差距问题，学者们从多方面研究了造成收入差距扩大的原因，但是早期学者很少直接关注金融发展与收入分配的关系，而是将其作为主要研究的附带结论。近年来，学者们逐渐加大了对该附带结论的关注，认识到金融发展与收入差距之间存在着内在联系，需要对二者的关系进行深入探讨。本文立足于内蒙古的实际情况，研究内蒙古金融发展对城乡居民收入差距的影响。本文对内蒙古金融发展的门槛效应、地区非均衡效应、降低贫困效应对城乡收入差距的影响分别建立主成分回归模型，协整模型、VAR与脉冲响应模型进行实证分析。金融发展的门槛效应会增大内蒙古城乡收入差距，金融发展的地区非均衡效应会增大内蒙古城乡收入差距，金融发展的降低贫困效应会减少内蒙古城乡收入差距。金融发展影响城乡收入差距的三大机制是相互联系，相互作用，共同对城乡收入差距产生影响，其总效应是扩大了内蒙古城乡收入差距。基于内蒙古的金融实际，综合考虑银行、证券、保险行业的情况，分别设计出衡量金融发展的规模、效率、结构的指标，建立城乡收入差距与金融发展的规模、效率、结构的协整模型，模型结果得出金融发展的规模、效率、结构分别与城乡收入差距之间存在着正相关、负相关、负相关关系。所以，合理安排内蒙古金融发展的规模，提高内蒙古金融发展的效率，完善内蒙古金融发展的结构，会有效地缩小内蒙古城乡居民收入差距。总结全文理论与实证研究结果，提出相应的对策建议。一方面，发展农村牧区金融。包括：发展各类新型农村牧区金融机构，对民间金融组织的经营活动进行严格监管，健全农牧业保险体系建设，扶持农牧业信用担保机构的建设等；另一方面，合理安排金融发展规模、提高效率、优化结构。包括：充分发挥金融机构能力，提高金融机构效率，，构建多元化、多层次的金融体系等。
[Abstract]:Finance plays a vital role in the economic development of a society, and the financialization of economy has gradually become an inevitable trend of economic development in various countries and regions.Since the reform and opening up, Inner Mongolia economy has developed rapidly. In the first ten years of 21 century, the average annual economic growth rate has reached 18.7%.The economic growth rate ranked first in the country for 8 consecutive years in 2002-2009.With the rapid development of economy, the financial industry of Inner Mongolia has also made rapid development, and has basically built a diversified market pattern in which a variety of financial institutions coexist, and the total amount of financial assets has been rising.In view of the problem of income gap, scholars have studied the causes of the widening of income gap from many aspects, but the early scholars seldom pay attention to the relationship between financial development and income distribution, but regard it as the incidental conclusion of the main research.In recent years, scholars have gradually increased their attention to the collateral conclusion, recognizing that there is an inherent relationship between financial development and income gap, and the relationship between the two needs to be deeply discussed.Based on the actual situation of Inner Mongolia, this paper studies the influence of Inner Mongolia financial development on the income gap between urban and rural residents.This paper establishes the principal component regression model, cointegration model and pulse response model of the threshold effect, regional disequilibrium effect and poverty reduction effect of financial development in Inner Mongolia on the urban-rural income gap.The threshold effect of financial development will increase the income gap between urban and rural areas in Inner Mongolia, the regional disequilibrium effect of financial development will increase the income gap between urban and rural areas in Inner Mongolia, and the poverty reduction effect of financial development will reduce the income gap between urban and rural areas in Inner Mongolia.The three mechanisms of financial development which affect the income gap between urban and rural areas are mutual connection and interaction, which have a common impact on the urban-rural income gap. The total effect of financial development is to expand the urban-rural income gap in Inner Mongolia.Based on the financial reality of Inner Mongolia, considering the situation of banking, securities and insurance industry, the paper designs the index to measure the scale, efficiency and structure of financial development, and establishes the scale and efficiency of urban-rural income gap and financial development.The results show that the scale, efficiency and structure of financial development are positively, negatively and negatively correlated with the urban-rural income gap.Therefore, reasonably arranging the scale of financial development in Inner Mongolia, improving the efficiency of financial development in Inner Mongolia and perfecting the structure of financial development in Inner Mongolia will effectively reduce the income gap between urban and rural residents in Inner Mongolia.This paper summarizes the theoretical and empirical research results and puts forward corresponding countermeasures and suggestions.On the one hand, develop rural pastoral area finance.These include: developing various new types of financial institutions in rural and pastoral areas, strictly supervising the business activities of non-governmental financial organizations, improving the construction of agricultural and animal husbandry insurance systems, and supporting the construction of agricultural and animal husbandry credit guarantee institutions; on the other hand,Reasonable arrangement financial development scale, raise efficiency, optimize structure.It includes: giving full play to the ability of financial institutions, improving the efficiency of financial institutions, building a diversified and multi-level financial system and so on.
【学位授予单位】：内蒙古财经大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F124.7;F832;F224

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