發(fā)布時(shí)間：2018-04-13 12:57

  本文選題：金融發(fā)展 + 城鄉(xiāng)收入差距　； 參考：《福州大學(xué)》2014年碩士論文

【摘要】：城鄉(xiāng)收入差距體現(xiàn)一個(gè)國(guó)家收入分配的公平程度,差距過大不利于社會(huì)的穩(wěn)定發(fā)展。關(guān)于城鄉(xiāng)收入差距的研究有很多,但從金融發(fā)展視角著手的比較少。金融在社會(huì)發(fā)展中起到重要的作用,研究金融發(fā)展對(duì)城鄉(xiāng)收入差距的影響對(duì)改善城鄉(xiāng)收入差距問題具有重要的意義。近年來福建省經(jīng)濟(jì)取得較大發(fā)展,與此同時(shí)城鄉(xiāng)收入差距也日益突出,這阻礙了福建省經(jīng)濟(jì)快速健康地發(fā)展,也影響海峽西岸經(jīng)濟(jì)區(qū)的建設(shè)。因此本文選取福建省為研究對(duì)象探討金融發(fā)展與城鄉(xiāng)收入差距之間的關(guān)系。文章首先介紹金融發(fā)展與城鄉(xiāng)收入差距相關(guān)的理論,并分析兩種理論之間的聯(lián)系,明確了金融發(fā)展影響城鄉(xiāng)收入差距的主要作用機(jī)制,以此作為文章后續(xù)分析的基礎(chǔ)。然后從福建省總體、各地區(qū)、農(nóng)村等多個(gè)角度描述福建省金融發(fā)展與城鄉(xiāng)收入差距的現(xiàn)狀,并結(jié)合金融發(fā)展對(duì)城鄉(xiāng)收入差距的作用機(jī)理,分析金融發(fā)展對(duì)城鄉(xiāng)收入差距的影響。最后通過收集1978年-2012年相關(guān)數(shù)據(jù),構(gòu)建金融綜合發(fā)展與城鄉(xiāng)收入差距VAR模型,金融各行業(yè)發(fā)展與城鄉(xiāng)收入差距VAR模型,并運(yùn)用協(xié)整檢驗(yàn)、格蘭杰因果檢驗(yàn)、脈沖響應(yīng)分析、方差分解分析等實(shí)證方法進(jìn)一步分析它們之間的關(guān)系。實(shí)證結(jié)果表明,福建省金融綜合發(fā)展與城鄉(xiāng)收入差距存在長(zhǎng)期均衡的關(guān)系以及單向的格蘭杰因果關(guān)系,其中金融綜合發(fā)展與城鄉(xiāng)收入差距正相關(guān),并且銀行業(yè)和證券保險(xiǎn)業(yè)的發(fā)展皆擴(kuò)大了城鄉(xiāng)收入差距。另外證券保險(xiǎn)業(yè)的發(fā)展對(duì)城鄉(xiāng)收入差距的擴(kuò)大具有顯著的影響。金融發(fā)展效率、城鎮(zhèn)化率以及財(cái)政支農(nóng)水平與城鄉(xiāng)收入差距存在顯著的負(fù)相關(guān)關(guān)系以及單向的格蘭杰因果關(guān)系,并且三者對(duì)城鄉(xiāng)收入差距的變化具有較大的貢獻(xiàn)程度。為縮小城鄉(xiāng)收入差距,提升農(nóng)民收入水平,文章提出了幾條政策建議：首先是發(fā)展農(nóng)村金融機(jī)構(gòu),提升農(nóng)村金融供給；其次是優(yōu)化金融機(jī)構(gòu)經(jīng)營(yíng)環(huán)境,促進(jìn)資源合理配置；再者是加大證券市場(chǎng)和保險(xiǎn)市場(chǎng)服務(wù)農(nóng)村力度；最后是推進(jìn)城鎮(zhèn)化建設(shè),加大財(cái)政支農(nóng)力度。
[Abstract]:The income gap between urban and rural areas reflects the fair degree of income distribution in a country, which is not conducive to the stable development of society.There are many researches on the income gap between urban and rural areas, but few from the perspective of financial development.Finance plays an important role in social development. It is of great significance to study the influence of financial development on the income gap between urban and rural areas.In recent years, Fujian's economy has made great progress, at the same time, the urban-rural income gap has become increasingly prominent, which hinders the rapid and healthy development of Fujian's economy, and also affects the construction of the economic zone on the west side of the Straits.Therefore, this paper chooses Fujian Province as the research object to explore the relationship between financial development and urban-rural income gap.This paper first introduces the theory of financial development and urban-rural income gap, analyzes the relationship between the two theories, and clarifies the main mechanism of financial development affecting the urban-rural income gap, which is the basis of subsequent analysis.Then it describes the current situation of financial development and urban-rural income gap in Fujian Province from the perspectives of overall, regional and rural areas, and analyzes the impact of financial development on urban-rural income gap by combining the mechanism of financial development on urban-rural income gap.Finally, by collecting the relevant data from 1978 to 2012, we construct the VAR model of comprehensive financial development and urban-rural income gap, the VAR model of financial industry development and urban-rural income gap, and use co-integration test, Granger causality test, impulse response analysis.Variance decomposition analysis and other empirical methods to further analyze the relationship between them.The empirical results show that there is a long-term equilibrium relationship between comprehensive financial development and urban-rural income gap and a one-way Granger causality, in which the financial comprehensive development is positively related to the urban-rural income gap.And the development of banking and securities insurance has widened the income gap between urban and rural areas.In addition, the development of securities insurance industry has a significant impact on the widening of income gap between urban and rural areas.Financial development efficiency, urbanization rate and the level of financial support for agriculture have significant negative correlation with the urban-rural income gap and one-way Granger causality, and the three factors have great contribution to the change of urban-rural income gap.In order to narrow the income gap between urban and rural areas and improve the income level of farmers, this paper puts forward several policy suggestions: first, to develop rural financial institutions, to promote rural financial supply, secondly, to optimize the operating environment of financial institutions and to promote the rational allocation of resources;The third is to strengthen the securities market and insurance market to serve the countryside; finally, to promote urbanization and increase financial support for agriculture.
【學(xué)位授予單位】：福州大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F124.7;F832.7

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