普惠金融发展对城乡收入差距的影响分析

发布时间：2018-06-15 17:39

本文选题：普惠金融 + 城乡收入差距　；参考：《浙江工商大学》2015年硕士论文

【摘要】：改革开放后,我国经济稳步发展,作为现代经济核心的金融业也有了长足进步。但是,当前金融体系存在的内在缺陷也暴露了出来,贫富分化加剧、中小企业融资难、地区金融发展差距不断扩大等问题日益严重,使得金融体系需要改革的呼声一直不断。同时,由于普遍存在的城乡二元结构的影响,我国目前的金融体系是割裂的,金融资源的配置不平等,部分区域金融呈现荒漠化,直接导致了我国城乡收入差距的持续扩大。为了解决这些问题,近年来我国提出了构建普惠金融体系,希望能扩大金融服务覆盖的范围,确保所有人群都能享受到安全、便捷的金融服务,从而达到消除贫困、缩小城乡收入差距、促进城乡经济均衡增长的目的。在此背景下,研究我国普惠金融发展水平对城乡收入差距的影响,对于我国推进普惠金融体系建设、实现城乡经济协调发展、探讨缩小城乡差距的有效措施具有重要意义。本文在详细阐述普惠金融的提出背景及涵义的基础上,重点分析我国普惠金融和城乡收入差距的现状以及影响机理,试图从理论层面探寻普惠金融发展是否能改变我国城乡收入差距不断扩大的现状。然后在回顾各学者对普惠金融发展指数指标体系研究的基础上,运用Sarma(2008)提出的构建普惠金融发展指数的计算方法,构建了由金融服务可获得性、金融服务的使用情况、金融服务质量3个维度13个指标组成的普惠金融发展指数指标体系,并利用该指标体系测度出全国31个省2006-2014年间的普惠金融发展指数。结果显示我国普惠金融发展水平呈现逐年提高、且东部高于中部高于西部的趋势。其次本文运用2006-2014年间31个省份的省级面板数据构建了面板向量自回归模型(PVAR),从动态角度研究普惠金融发展对城乡收入差距的影响作用,定量测度各地区普惠金融发展水平对城乡收入差距的影响幅度,并运用静态面板模型进行了稳健性检验。实证结果显示：在全国范围内,普惠金融发展指数滞后一期对城乡收入差距具有负向作用,即普惠金融发展速度的提升将缩小城乡收入差距,其缩小幅度西部地区大于中部地区大于东部地区,普惠金融发展对城乡收入差距的影响时间中部和西部也要显著长于东部地区,在西部和中部地区提升普惠金融发展水平将显著且持续缩小城乡收入差距。
[Abstract]:After reform and opening up, our country economy develops steadily, as the core of modern economy, the financial industry also has made great progress. However, the inherent defects of the current financial system are also exposed, such as the growing polarization between the rich and the poor, the difficulty of financing for small and medium-sized enterprises, and the widening gap in regional financial development, which make the calls for reform of the financial system to be constant. At the same time, because of the widespread dual structure between urban and rural areas, the current financial system of China is divided, the allocation of financial resources is not equal, and some regional finance is desertification, which directly leads to the continued expansion of the income gap between urban and rural areas in China. In order to solve these problems, in recent years, our country has proposed the construction of inclusive financial system, hoping to expand the coverage of financial services, ensure that all people can enjoy safe and convenient financial services, thereby achieving poverty eradication. Narrowing the income gap between urban and rural areas and promoting balanced economic growth in urban and rural areas. Under this background, it is of great significance to study the influence of inclusive financial development level on the income gap between urban and rural areas, to promote the construction of inclusive financial system, to realize the coordinated development of urban and rural economy, and to explore effective measures to narrow the gap between urban and rural areas. On the basis of expounding the background and meaning of inclusive finance in detail, this paper focuses on analyzing the current situation and influence mechanism of inclusive finance and urban-rural income gap in China. This paper attempts to explore theoretically whether the development of inclusive finance can change the widening income gap between urban and rural areas in China. Then, on the basis of reviewing the research on the index system of inclusive financial development, and using the calculation method of constructing inclusive financial development index proposed by Sarmai 2008, this paper constructs the availability of financial services and the use of financial services. The index system of inclusive financial development index is composed of 13 indexes of three dimensions of financial service quality. The index system is used to measure the inclusive financial development index of 31 provinces in China from 2006 to 2014. The results show that the development level of inclusive finance in China is increasing year by year, and the eastern part is higher than the central part. Secondly, using provincial panel data of 31 provinces from 2006 to 2014, this paper constructs a panel vector autoregressive model (PVARA) to study the impact of inclusive financial development on urban-rural income gap from a dynamic point of view. This paper quantitatively measures the influence of inclusive financial development level on the income gap between urban and rural areas, and uses the static panel model to test the stability of the income gap between urban and rural areas. The empirical results show that: in the whole country, the lag of inclusive financial development index has a negative effect on the urban-rural income gap, that is, the improvement of inclusive financial development speed will narrow the urban-rural income gap. The extent of its reduction is greater in the western region than in the central region than in the eastern region, and the impact of inclusive financial development on the urban-rural income gap is also significantly longer in the central and western regions than in the eastern region. Raising the level of inclusive finance in the western and central regions will significantly and continuously narrow the income gap between urban and rural areas.
【学位授予单位】：浙江工商大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F124.7;F832.35

【相似文献】