【摘要】 为探讨城乡统筹建设中金融资源城乡配置对居民收入分配的影响,本文利用协整方法研究了我国1989—2014年城乡金融发展的规模、结构和效率演变与城乡居民收入之间的关系,并对城乡金融发展进行了断点检验,构建了农村金融发展的断点回归模型。结果发现:城乡金融发展与居民收入之间存在长期均衡关系,且在2009年出现断点效应,其后我国农村金融收入效应也由规模型、结构型支撑向规模性、效率型支撑转变。农村金融规模总量在远小于城镇地区情况下,进一步弱化了农村金融结构和效率对农村居民增收效果;而城镇地区金融规模边际效应显著,且总体金融发展保持稳定。在此基础上,对提高农村居民收入和缩小城乡金融差距提出有针对性的政策建议。更多还原

【Abstract】 To explore the impact of financial resources allocation in urban and rural areas on residents’ income,this paper uses co-integration method to study the relationship between residents ’ income in 1989-2014 and the development of Chinese financial scale,structure and efficiency in urban and rural areas,with the breakpoint inspection of urban and rural financial development,and constructs rural financial development regression model. The results show that: there has been a long-term equilibrium relationship between residents’ income and urban/rural financial development,since the breakpoint effect in 2009,Chinese rural financial development has turned from a dimensional and structural support to a dimensional and efficient support. Rural financial total scale is far smaller than that of the urban areas,which further weakens rural financial structure and growing efficiency of rural residents’ income while the marginal effect of financial scale in urban areas is significant and the overall financial development is stable. On this basis,some policy suggestions are put forward to improve the rural residents’ income and narrow the financial gap between urban and rural areas.更多还原