本文選題：普惠金融發(fā)展 + 普惠金融指數(shù)�。� 參考：《湖北大學(xué)》2014年碩士論文

【摘要】：金融作為現(xiàn)代經(jīng)濟(jì)的核心,是經(jīng)濟(jì)發(fā)展的“源頭活水”。金融發(fā)展與經(jīng)濟(jì)增長之間正向關(guān)系已經(jīng)被國內(nèi)外學(xué)者研究證實。2008年爆發(fā)的國際金融危機(jī)對國際社會的影響更是讓人深信不疑兩者之間的關(guān)系。在我國國內(nèi),在國家致力于城鄉(xiāng)統(tǒng)籌發(fā)展的同時,我國仍然存在嚴(yán)重的二元金融問題,明顯地表現(xiàn)為金融資源向城市、東部經(jīng)濟(jì)發(fā)達(dá)地區(qū)集中,機(jī)構(gòu)和資金從農(nóng)村地區(qū)、西部地區(qū)撤離,轉(zhuǎn)向城市、東部地區(qū),農(nóng)村地區(qū)、西部地區(qū)成為金融服務(wù)的荒漠,窮人等弱勢群體被排斥于金融體系之外的現(xiàn)象,這樣勢必導(dǎo)致城鄉(xiāng)二元經(jīng)濟(jì)、城鄉(xiāng)居民貧富分化和收入差距拉大,嚴(yán)重制約我國經(jīng)濟(jì)社會發(fā)展。從金融發(fā)展與經(jīng)濟(jì)發(fā)展關(guān)系分析,金融發(fā)展落后的地區(qū),經(jīng)濟(jì)發(fā)展也必將落后,必然影響人們的生活水平,金融二元結(jié)構(gòu)將會使上述情況惡性循環(huán)下去。通過對金融發(fā)展困境和城鄉(xiāng)二元化經(jīng)濟(jì)結(jié)構(gòu)的反思,本文認(rèn)為,金融的發(fā)展要普惠所有的人群和地區(qū),讓所有對金融有需求的人都可以平等地享受金融服務(wù),所以本文引入2005年普惠金融概念,并就此研究普惠金融發(fā)展對我國城鄉(xiāng)居民的影響。 本文以普惠金融發(fā)展理論為研究基石,提出了普惠金融的發(fā)展可以縮小城鄉(xiāng)居民福利差距的基本假設(shè)。文章的基本研究思路如下： 基于本文第一章對研究背景和國內(nèi)外的相關(guān)研究的闡述,本文第二章則主要是對本文的相關(guān)研究作理論補(bǔ)充,主要概述了普惠金融的發(fā)展歷程和介紹了國內(nèi)外普惠金融成功的發(fā)展模式,發(fā)現(xiàn)普惠金融發(fā)展模式在不同國家間可以相互借鑒。 本文第三章介紹了我國普惠金融發(fā)展現(xiàn)狀。與國外普惠金融的發(fā)展現(xiàn)狀作比較后,著重介紹了我國普惠金融的發(fā)展現(xiàn)狀,通過數(shù)據(jù)分析我國東部、中部和西部地區(qū)各省市金融機(jī)構(gòu)營業(yè)網(wǎng)點和金融機(jī)構(gòu)存貸款情況。最后通過構(gòu)建的IF工指數(shù)測算了我國東、中、西部各省市的普惠金融發(fā)展水平,并進(jìn)行了比較分析。 本文第四章通過綜合指數(shù)法構(gòu)建了城鄉(xiāng)居民福利差異指數(shù),并測算了我國各省市的城鄉(xiāng)居民差異指數(shù),在此基礎(chǔ)上,通過面板的固定效應(yīng)模型和隨機(jī)效應(yīng)模型實證分析了我國全國層面、東部地區(qū)、中部地區(qū)和西部地區(qū)的普惠金融發(fā)展水平對城鄉(xiāng)居民差異的影響。實證結(jié)果表明,我國普惠金融的發(fā)展的確改善了城鄉(xiāng)居民福利差異,縮小了城鄉(xiāng)居民福利差距,但各地區(qū)普惠金融的發(fā)展對城鄉(xiāng)居民福利差異的影響各不相同,實證結(jié)果顯示：在東部地區(qū),普惠金融的發(fā)展擴(kuò)大了城鄉(xiāng)居民福利差距；在中部地區(qū),普惠金融的發(fā)展縮小了城鄉(xiāng)居民福利差距；在西部地區(qū),普惠金融發(fā)展與城鄉(xiāng)居民福利差異間不存在顯著關(guān)系。 最后在本文的主要結(jié)論、政策建議和展望中,提出了相關(guān)政策建議：統(tǒng)籌城鄉(xiāng)發(fā)展,縮小城鄉(xiāng)居民收入差距;大力推進(jìn)中國普惠金融的區(qū)域化發(fā)展戰(zhàn)略,在東、西部和中部地區(qū)實施有差別的金融政策；深化普惠性金融制度改革。
[Abstract]:As the core of modern economy, finance is the "source water" of economic development. The positive relationship between financial development and economic growth has been confirmed by domestic and foreign scholars. The international financial crisis, which broke out in.2008 years, is more important to the international community. In China, the country is committed to the country and the country. At the same time, our country still has a serious financial problem of two yuan. It is evident that the financial resources are to the city, the eastern economic developed areas are concentrated, the institutions and funds are evacuated from the rural areas, the western regions, the cities, the eastern region, the rural areas and the western regions, and the poor and other vulnerable groups are excluded. In addition to the financial system, this will inevitably lead to the two yuan economy in urban and rural areas. The gap between the rich and the poor and the widening of the income gap between urban and rural residents seriously restricts the economic and social development of our country. From the analysis of the relationship between financial development and economic development and the backward areas of financial development, the economic development is bound to lag behind, and it will inevitably affect the living standard of the people and finance two yuan. Through the reflection on the financial development dilemma and the urban-rural economic structure, this paper thinks that the financial development should benefit all the people and areas, let all the people with financial demand enjoy the financial services equally, and introduce the concept of Inclusive Finance in 2005, and study the financial services in 2005. The impact of Inclusive Financial Development on urban and rural residents in China.
Based on the theory of inclusive financial development, this paper puts forward the basic hypothesis that the development of Inclusive Finance can reduce the welfare gap between urban and rural residents. The basic research ideas of this article are as follows:
Based on the first chapter of this article, the research background and the related research at home and abroad, the second chapter is mainly to supplement the relevant research in this paper. It mainly summarizes the development process of Inclusive Finance and introduces the successful development model of Inclusive Finance at home and abroad, and finds that the generalized financial development model can be mutually exclusive between different countries. Draw lessons from.
The third chapter of this paper introduces the present situation of the development of Inclusive Finance in China. After comparing with the status quo of foreign Inclusive Finance, this paper mainly introduces the present situation of the development of Inclusive Finance in China, and analyses the deposit and loan of the financial institutions and financial institutions in the eastern, Central and western regions of our country through the data. Finally, the construction of the IF industry refers to the construction of the financial institutions. It calculates the development level of Inclusive Finance in various provinces in the East, central and Western China, and makes a comparative analysis.
In the fourth chapter, the index of urban and rural residents' welfare difference is constructed by the comprehensive index method, and the difference index of urban and rural residents in various provinces and cities in China is calculated. On this basis, through the fixed effect model and the random effect model of the panel, the paper empirically analyses the general financial development water in the national level, the eastern region, the central region and the western region. The empirical results show that the development of Inclusive Finance in China has indeed improved the welfare difference between urban and rural residents and narrowed the welfare gap between urban and rural residents, but the impact of the development of Inclusive Finance on the welfare difference between urban and rural residents is different. The welfare gap between urban and rural residents is bigger. In the central region, the development of Inclusive Finance has narrowed the gap between urban and rural residents' welfare. In the western region, there is no significant relationship between the development of Inclusive Finance and the welfare difference between urban and rural residents.
Finally, in the main conclusions, policy recommendations and prospects, the relevant policy suggestions are put forward: to coordinate urban and rural development, to narrow the income gap between urban and rural residents; to vigorously promote the regional development strategy of China's inclusive finance, to carry out different financial policies in East, West and central areas, and to deepen the reform of the inclusive financial system.
【學(xué)位授予單位】：湖北大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F124.7;F832

【參考文獻(xiàn)】

相關(guān)期刊論文 前4條

1 方福前;呂文慧;;中國城鎮(zhèn)居民福利水平影響因素分析——基于阿馬蒂亞·森的能力方法和結(jié)構(gòu)方程模型[J];管理世界;2009年04期

2 邱崇明;李輝文;;我國金融抑制的測度及其對居民消費的影響[J];金融與經(jīng)濟(jì);2011年02期

3 韓俊;韓俊;;加快建立普惠型的農(nóng)村金融體系[J];農(nóng)村經(jīng)營管理;2009年02期

4 何嗣江;史晉川;;弱勢群體幫扶中的金融創(chuàng)新研究——以臺州市商業(yè)銀行小額貸款為例[J];浙江大學(xué)學(xué)報(人文社會科學(xué)版);2009年04期

，

本文編號：2014856