我国城乡金融非均衡发展对城乡居民收入差距影响研究
发布时间：2018-07-21 20:43
【摘要】：摘要：受二元经济结构的长期影响,我国城乡发展差异显著,城乡居民收入差距依然较大,并已成为我国经济和社会发展的制约因素。金融发展被认为是促进农村经济发展和农民增收的重要手段,是解决城乡收入差距问题的主要途径。但目前农村金融市场发展尚不成熟,城乡金融发展严重不均衡,进一步加剧了城乡间收入分配的差距。基于此,论文选取全国和东、中、西部的代表省份山东、安徽和云南,研究城乡金融非均衡发展对城乡居民收入差距的影响,以期发现影响城乡居民收入差距的具体金融发展因素,并就此提出针对性的改进建议。 论文首先在分析大量国内外相关文献及研究成果之后,对金融非均衡发展相关理论及收入分配的倒U型曲线效应进行理论阐释。在此基础上,探索城乡金融非均衡发展对城乡居民收入差距的作用机理。然后构建了城乡收入差距、金融发展规模、金融发展效率、金融组织空间分布、金融结构等的测度指标,通过现状描述和比较分析,对全国及三个代表省份的城乡收入差距及金融非均衡发展现状进行分析后发现,我国城乡收入差距依然较大,且地区间存在差异；城乡金融非均衡现象严重,区域间的差异也很明显。接着,论文构建VAR模型,通过协整检验、脉冲响应函数、方差分解和格兰杰因果检验等形式,实证检验了城乡金融非均衡发展对城乡收入差距的影响。结果显示,金融发展规模、金融发展效率、金融结构的城乡非均衡都会对城乡居民收入差距造成不同程度的影响,且对城乡收入差距影响显著的因素在地区间有不同。最后,论文以现状分析和实证结论为依据,从金融发展的视角,提出一系列促进农村金融发展并依此缩小城乡收入差距的建议,包括扩大农村金融发展规模、提高农村金融发展效率、优化农村金融结构和农村金融机构空间布局等。
[Abstract]:Abstract: under the long-term influence of dual economic structure, the difference between urban and rural development is significant, and the income gap between urban and rural residents is still large, and has become a restriction factor of economic and social development in China. Financial development is regarded as an important means to promote rural economic development and increase farmers' income, and is the main way to solve the problem of urban-rural income gap. But at present, the development of rural financial market is not mature, the development of urban and rural finance is seriously unbalanced, which further exacerbates the income distribution gap between urban and rural areas. Based on this, this paper selects the representative provinces of Shandong, Anhui and Yunnan to study the impact of the unbalanced development of urban and rural finance on the income gap between urban and rural residents. In order to find out the specific financial development factors affecting the income gap between urban and rural residents, and put forward targeted suggestions for improvement. Firstly, after analyzing a large number of domestic and foreign literatures and research results, this paper theoretically explains the theory of financial disequilibrium development and the effect of inverted U-shaped curve of income distribution. On this basis, this paper explores the mechanism of the unbalanced development of urban and rural finance on the income gap between urban and rural residents. Then it constructs the measurement indexes of urban-rural income gap, scale of financial development, financial development efficiency, spatial distribution of financial organizations, financial structure and so on. After analyzing the income gap between urban and rural areas and the current situation of financial imbalance in the whole country and the provinces of three represents, it is found that the income gap between urban and rural areas is still large and there are differences between regions, and the phenomenon of financial disequilibrium between urban and rural areas is serious. Regional differences are also evident. Then, the paper constructs a VAR model. Through cointegration test, impulse response function, variance decomposition and Granger causality test, the paper empirically tests the effect of urban-rural financial disequilibrium development on urban-rural income gap. The results show that the scale of financial development, the efficiency of financial development and the urban-rural disequilibrium of financial structure all have different effects on the income gap of urban and rural residents, and the factors that have significant influence on the urban-rural income gap are different in different regions. Finally, based on the current situation analysis and empirical conclusions, from the perspective of financial development, the paper puts forward a series of suggestions to promote rural financial development and reduce the income gap between urban and rural areas, including expanding the scale of rural financial development. Improve the efficiency of rural financial development, optimize the rural financial structure and the spatial distribution of rural financial institutions.
【学位授予单位】：中南大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F124.7;F832
本文编号：2136800
[Abstract]:Abstract: under the long-term influence of dual economic structure, the difference between urban and rural development is significant, and the income gap between urban and rural residents is still large, and has become a restriction factor of economic and social development in China. Financial development is regarded as an important means to promote rural economic development and increase farmers' income, and is the main way to solve the problem of urban-rural income gap. But at present, the development of rural financial market is not mature, the development of urban and rural finance is seriously unbalanced, which further exacerbates the income distribution gap between urban and rural areas. Based on this, this paper selects the representative provinces of Shandong, Anhui and Yunnan to study the impact of the unbalanced development of urban and rural finance on the income gap between urban and rural residents. In order to find out the specific financial development factors affecting the income gap between urban and rural residents, and put forward targeted suggestions for improvement. Firstly, after analyzing a large number of domestic and foreign literatures and research results, this paper theoretically explains the theory of financial disequilibrium development and the effect of inverted U-shaped curve of income distribution. On this basis, this paper explores the mechanism of the unbalanced development of urban and rural finance on the income gap between urban and rural residents. Then it constructs the measurement indexes of urban-rural income gap, scale of financial development, financial development efficiency, spatial distribution of financial organizations, financial structure and so on. After analyzing the income gap between urban and rural areas and the current situation of financial imbalance in the whole country and the provinces of three represents, it is found that the income gap between urban and rural areas is still large and there are differences between regions, and the phenomenon of financial disequilibrium between urban and rural areas is serious. Regional differences are also evident. Then, the paper constructs a VAR model. Through cointegration test, impulse response function, variance decomposition and Granger causality test, the paper empirically tests the effect of urban-rural financial disequilibrium development on urban-rural income gap. The results show that the scale of financial development, the efficiency of financial development and the urban-rural disequilibrium of financial structure all have different effects on the income gap of urban and rural residents, and the factors that have significant influence on the urban-rural income gap are different in different regions. Finally, based on the current situation analysis and empirical conclusions, from the perspective of financial development, the paper puts forward a series of suggestions to promote rural financial development and reduce the income gap between urban and rural areas, including expanding the scale of rural financial development. Improve the efficiency of rural financial development, optimize the rural financial structure and the spatial distribution of rural financial institutions.
【学位授予单位】：中南大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F124.7;F832
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