金融发展对城乡收入差距影响的研究.docVIP

PAGE PAGE 19 金融发展对城乡收入差距影响的研究 摘要：改革开放以来，我国的经济和金融持续发展，但是随之也带来了城乡收入差距不断扩大的严重问题。本文在对国内外已有文献和相关理论进行梳理分析的基础上，提出了本文假说：我国金融发展主要通过门槛效应和城乡金融发展非均衡效应两大因素来影响城乡收入差距。本文首先对两个效应进行理论分析，再结合我国的国情进行现状描述，然后，通过构建计量模型，选取相关指标进行实证检验，最后得出的检验结果证实了假说的成立。研究表明，从门槛效应看，我国进入了“倒U型”的下滑阶段；城乡金融发展非均衡性也在减弱，这可能得益于我国近几年来对农村金融发展的政策支持。在以上研究的基础上，本文提出了对我国未来金融发展的建议，可以通过发展农村地区的金融来改善城乡发展的问题，最终实现城乡收入差距的缩小。 关键词：金融发展城乡收入差距门槛效应城乡金融非均衡性效应 Research?of the Impact of Financial Development on the Urban-Rural Income?Gap Abstract: Since the reform and opening up, Chinas economic and financial continuously development. But it also brings a serious problem that the income between urban and rural areas has been widened constantly. Based on the analysis of domestic and foreign literatures and related theories, this paper puts forward the hypothesis of this paper that?Chinas financial development affects the income gap between urban and rural areas?mainly through the Threshold effect and urban and rural financial development of Non equilibrium effect. Firstly we analyze the theory of the two effects and then describe the current situation of Chinas national conditions. Then the paper constructs measurement model and select related indicators for empirical analysis. Finally the obtained results confirm the hypothesis of the establishment. Research shows，from the threshold effect, our country has entered a inverted U decline phase and it maybe benefited from Chinas policy support for the development of rural finance in recent years the Non equilibrium of urban and rural finance is also weakening. Based on the research above, the paper put forward the proposal to the future of Chinas financial development that can through the development of rural areas of finance to improve the development of urban and rural areas, and then the income gap between urban and rural areas will be narrowed. Keywords: Financial Development, the Urban-Rural Income Gap, the Threshold effect, urban and rural financial development of Non equilibrium effe