金融发展对城乡收入差距的影响研究

【作者】 王博；

【导师】 韦省民；

【作者基本信息】 西北大学 ， 国民经济学， 2015， 硕士

【摘要】 本文改变国内以往对金融发展的认识,将金融规模、金融结构和混合金融效应这三个指标作为衡量我国金融发展的状况,以全国31个省市自治区的数据研究金融发展对于城乡收入差距的影响,应用面板数据,通过固定效应模型、随机效应模型、可行广义最小二乘法等众多方法从整体情况、分区域情况和分类别情况三个角度对金融发展对城乡收入差距的影响进行了实证研究,全面反映我国金融发展对城乡收入差距的影响状况。本文的创新在于：(1)将金融规模与金融结构作为评价金融发展程度的两个重要指标同时纳入模型进行分析；(2)引入金融规模与金融结构的交互项,即混合金融效应,分析其对于城乡收入差距的影响情况。结果表明：(1)金融规模的扩大和金融结构的优化对于缓解城乡收入差距有明显负效应,然而混合金融效应对于扩大城乡收入差距却具有明显效应,这种矛盾的结果实际上正好反映了我国当前金融发展的表象与实际情况,也表明了金融发展与经济发展的不相适应问题。(2)东部、中部和西部地区的金融发展程度呈现明显区别,对于城乡收入差距的缓解程度也出现差别。(3)金融规模较大地区和金融规模较小地区在缓解城乡收入差距的侧重点方面有所差别,一个侧重金融规模,一个侧重金融结构。更多还原

【Abstract】 This paper changes the traditional understanding of financial development. We take three indicators as a measure to measure the situation of the financial development, which is including the financial scale, the financial structure and these two mixing effects. Data on the financial development of the country’s 31 provinces and autonomous regions is utilized to study the income gap between urban and rural areas caused by the financial development. Panel data is applied in this paper. Fixed effects model, the random effects model, feasible generalized least squares method and other method are taken advantage of to study the influence practically. In other words, we cut it into three parts,namely the overall sub-regional and sub-categories financial development impact on the income gap between urban and rural areas. Consequently, we can fully understand the effect of the development of China’s financial impact on the income gap between urban and rural conditions. Innovation of this paper is:On the one hand, the financial scale and financial structure as an evaluation of two important indicators of the degree of financial development are cited into this paper; On the other hand, the introduction of the interaction term financial scale and financial structure, namely the mixed financial effect to analyze the income gap between urban influence the situation. The study finally comes into conclusion that:Firstly, expanding the scale and optimizing the financial structure for the mitigation of financial income gap has significantly negative effect. However, the financial effect for mixed urban-rural income inequality has a clear positive effect, which is actually a reflection of the country representation of the current financial development and the actual situation and is also demonstrating the incompatible problems in the financial development and economic development. Secondly, the degree of financial development of the eastern, central and western regions shows significant difference between urban and rural income gap. And it is also different to relief this situation. Lastly, the larger regional and smaller regional of financial scale have difference to decrease the income gap for ease of focus vary, one depends on the financial scale, the other is financial structure.更多还原