城乡金融结构与城乡收入差距的关联性研究-金融学专业论文.docxVIP

Classified Index: F832.1 U.D.C: 336 Dissertation for the Master’s Degree in Economics THE STUDY ON THE CORRELATION BETWEEN URBAN-RURAL FINANCIAL STRUCTURE AND URBAN-RURAL INCOME GAP Candidate： Zheng Chuang Supervisor： Prof. Kang Yuhong Academic Degree Applied for： Master of Economics Speciality： Finance Affiliation： School of Management Date of Defence： June, 2009 Degree-Conferring-Institution： Harbin Institute of Technology 摘 要 随着经济的高速发展，城乡金融结构的发展越来越不平衡，随之而来的是 城乡收入差距的扩大，建设和谐社会主义新农村的提出，更是把如何缩小城乡 收入差距这一问题提到一个政策的高度，改变城乡收入差距过大的主要途径就 是保持城乡金融结构的均衡发展。 本文对国内外金融结构与收入差距的相关问题进行了详尽研究，在系统分 析金融结构与收入差距的相互关系及影响机理之后，对我国的金融结构与城乡 收入差距存在的问题进行了深入分析，指出了我国城乡金融机构分布不平衡， 农村地区“资金逆流”严重，城乡金融工具种类差距大等问题，在此基础上， 结合我国城乡金融结构的现状，把衡量城乡金融结构的指标定义为城乡贷款结 构 1（农村信用合作社贷款额与金融机构贷款总额之比）、城乡贷款结构 2（农 业贷款额+乡镇企业贷款额与金融机构贷款总额之比）和城乡储蓄结构；根据 我国城乡收入差距现状，把城乡收入差距衡量指标定义为农村人民纯收入与城 市居民可支配收入之比。并应用计量经济学方法对这些指标进行实证分析，分 析结果表明城乡贷款结构 1 会扩大城乡收入差距；城乡贷款结构 2 能缩小城乡 收入差距；城乡收入差距对城乡储蓄结构有显著的影响；城乡贷款结构 1 对城 乡储蓄结构也有微弱的影响。根据实证检验的结果，本文在最后提出了推行小 额信贷、拓宽融资渠道、扶持乡镇企业及创新贷款担保方式等促进城乡金融结 构均衡发展的政策建议，以期对缩小我国城乡收入差距有所帮助。 关键词：城乡收入差距；城乡金融结构；小额信贷 Abstract With the rapid development of economic, urban and rural financial structure is becoming more and more unbalanced, and the urban-rural income gap is expanding. How to build a harmonious countryside is a question that how to narrow the urban-rural income gap. Keep the balancing development of the financial structure of urban and rural is the main way to narrow the urban-rural income gap. This paper first makes a detailed study on the income gap and the financial structure both at home and abroad. After deeply analyzing the impact of the mechanism of the relationship between income disparity and the financial structure, finding out that there are many questions in the system of China’s financial structure and the income gap of urban and rural. Then pointing out there are many question such as urban-rural imbalance in the distribution of financial institutions in rural areas, a large number of funds flow out of th