本文選題：金融效率　切入點：城鄉(xiāng)收入差距　出處：《天津財經(jīng)大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

【摘要】：1978年改革開放至今,伴隨著我國經(jīng)濟的快速發(fā)展,城鄉(xiāng)居民收入差距日漸擴大,這嚴(yán)重影響到我國社會穩(wěn)定。金融效率,作為衡量金融發(fā)展水平的重要指標(biāo),是指金融資源的配置效率,它不僅能夠推動經(jīng)濟快速發(fā)展,而且有利于改善居民收入。但由于我國特殊的城鄉(xiāng)二元經(jīng)濟結(jié)構(gòu),導(dǎo)致了城鄉(xiāng)金融效率呈現(xiàn)出不均衡現(xiàn)狀,農(nóng)村金融效率低下,極大影響著居民收入差距。因此,文章從我國金融效率非均衡的角度探討其對居民收入差距的影響,重點提出提高農(nóng)村金融效率以增加農(nóng)民收入的政策建議,有利于縮小城鄉(xiāng)收入差距。這篇文章通過借鑒國內(nèi)外不同學(xué)者關(guān)于金融發(fā)展與收入分配關(guān)系的研究成果,結(jié)合金融效率的定義及其提升居民收入的一般原理,考察了金融效率對于縮小城鄉(xiāng)居民收入差距的經(jīng)濟意義。首先,通過對金融效率與收入差距理論的闡述,分析了城鄉(xiāng)金融效率差異對居民收入差距的影響；其次,結(jié)合我國具體國情,考察了城鄉(xiāng)金融效率的非均衡現(xiàn)狀與城鄉(xiāng)居民收入差距的關(guān)系；再次,選取城鄉(xiāng)金融效率非均衡與居民收入差距指標(biāo),構(gòu)建向量自回歸模型,實證檢驗兩者間的關(guān)系。研究結(jié)果表明,城鄉(xiāng)金融效率的非均衡拉大了居民收入差距,這一問題的根源在于農(nóng)村金融效率低下,無力促進農(nóng)村經(jīng)濟發(fā)展,農(nóng)民收入增長緩慢。因此,應(yīng)該重點提高農(nóng)村金融效率,促進城鄉(xiāng)金融效率的均衡,以縮小居民收入差距。最后,論文在理論與實證分析的基礎(chǔ)上,對如何平衡我國城鄉(xiāng)金融效率以縮小居民收入差距提出建議,即：提高農(nóng)村儲蓄動員效率、增強農(nóng)村儲蓄投資轉(zhuǎn)化能力、加大金融機構(gòu)對鄉(xiāng)鎮(zhèn)企業(yè)的扶持力度。
[Abstract]:Since 1978, with the rapid economic development of our country, the income gap between urban and rural residents has been widening day by day, which has seriously affected the social stability and financial efficiency of our country, as an important indicator to measure the level of financial development. It is the allocation efficiency of financial resources, which can not only promote the rapid development of economy, but also improve the income of residents. However, due to the special dual economic structure of urban and rural areas in China, the financial efficiency of urban and rural areas presents an unbalanced situation. The low efficiency of rural finance greatly affects the income gap of residents. Therefore, from the angle of disequilibrium of financial efficiency in our country, this paper discusses its influence on the income gap of residents. It is helpful to narrow the income gap between urban and rural areas. This paper draws lessons from the research results of different scholars at home and abroad on the relationship between financial development and income distribution. Combined with the definition of financial efficiency and the general principle of promoting residents' income, this paper investigates the economic significance of financial efficiency in narrowing the income gap between urban and rural residents. First, it expounds the theory of financial efficiency and income gap. It analyzes the influence of the difference of urban and rural financial efficiency on the income gap of residents. Secondly, combined with the specific conditions of our country, it examines the relationship between the disequilibrium of urban and rural financial efficiency and the income gap between urban and rural residents. Thirdly, This paper selects the indexes of non-equilibrium of urban and rural financial efficiency and income gap of residents, constructs vector autoregressive model, and empirically tests the relationship between the two. The research results show that the disequilibrium of urban and rural financial efficiency widens the income gap of residents. The root of this problem lies in the low efficiency of rural finance, the inability to promote the development of rural economy, and the slow growth of farmers' income. Therefore, we should focus on improving the efficiency of rural finance and promoting the balance between urban and rural financial efficiency. Finally, on the basis of theoretical and empirical analysis, the paper puts forward some suggestions on how to balance the urban and rural financial efficiency in order to narrow the income gap, that is, to improve the efficiency of rural savings mobilization. Strengthen rural savings and investment transformation capacity, increase financial institutions to support township enterprises.
【學(xué)位授予單位】：天津財經(jīng)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F832.5;F124.7

【參考文獻(xiàn)】

相關(guān)期刊論文 前10條

1 張鵬;梁輝;;基于城鄉(xiāng)收入差距的金融資源合理配置研究[J];探索;2012年03期

2 錢水土;程建生;;金融非均衡發(fā)展對城鄉(xiāng)收入差距影響的實證研究[J];浙江金融;2011年08期

3 許平祥;;金融控制是收入分配庫茲涅茨效應(yīng)的原因嗎?——基于省際數(shù)據(jù)的動態(tài)面板GMM分析[J];上海經(jīng)濟研究;2011年05期

4 王修華;邱兆祥;;農(nóng)村金融發(fā)展對城鄉(xiāng)收入差距的影響機理與實證研究[J];經(jīng)濟學(xué)動態(tài);2011年02期

5 喻曉平;;金融資源不平衡、金融效率與城鄉(xiāng)收入差距——基于省級面板數(shù)據(jù)的實證分析[J];財務(wù)與金融;2010年06期

6 薛薇;謝家智;;農(nóng)村金融中介發(fā)展與城鄉(xiāng)居民收入差距的關(guān)系——基于中國1978—2008年的經(jīng)驗驗證[J];金融理論與實踐;2010年09期

7 師文明;余曉輝;;金融效率、經(jīng)濟增長與收入不平等——一個內(nèi)生增長模型的解釋[J];河北經(jīng)貿(mào)大學(xué)學(xué)報;2010年01期

8 徐中生;;金融發(fā)展、城市化與城鄉(xiāng)收入差距——基于SVAR模型的檢驗[J];新疆農(nóng)墾經(jīng)濟;2009年10期

9 陳偉國;樊士德;;金融發(fā)展與城鄉(xiāng)收入分配的庫茲涅茨效應(yīng)研究——基于中國省級面板數(shù)據(jù)的檢驗[J];當(dāng)代財經(jīng);2009年03期

10 周國富;胡慧敏;;金融效率評價指標(biāo)體系研究[J];金融理論與實踐;2007年08期

相關(guān)博士學(xué)位論文 前4條

1 魯釗陽;城鄉(xiāng)金融發(fā)展非均衡化的形成機理及對策研究[D];重慶大學(xué);2012年

2 吳慶田;金融效率視角下的農(nóng)村金融生態(tài)環(huán)境優(yōu)化研究[D];中南大學(xué);2011年

3 張立軍;金融發(fā)展影響城鄉(xiāng)收入差距的實證研究[D];復(fù)旦大學(xué);2007年

4 王振山;金融效率論——金融資源優(yōu)化配置的理論與實踐[D];東北財經(jīng)大學(xué);1999年

相關(guān)碩士學(xué)位論文 前2條

1 郭璐;金融發(fā)展與城鄉(xiāng)收入差距的分析研究[D];西北大學(xué);2012年

2 曾另瓊;湖北省農(nóng)村金融效率實證研究[D];華中農(nóng)業(yè)大學(xué);2009年

，

本文編號：1561153