本文選題：金融集聚　切入點(diǎn)：城鄉(xiāng)收入差距　出處：《湖南科技大學(xué)》2017年碩士論文　論文類型：學(xué)位論文

【摘要】：金融資源的空間集聚或不均衡分布是否以及如何影響城鄉(xiāng)收入差距,現(xiàn)有理論和實(shí)證研究尚未給予充分解答,也沒(méi)有形成共識(shí)。為此,本文基于金融集聚視角來(lái)探究城鄉(xiāng)收入差距的影響機(jī)理,嘗試為我國(guó)城鄉(xiāng)收入差距的成因增加一個(gè)新的理論解釋。此外,在金融集聚影響城鄉(xiāng)收入差距機(jī)制解析的基礎(chǔ)上,通過(guò)完善我國(guó)金融資源空間配置的制度環(huán)境來(lái)提升城鄉(xiāng)金融資源配置效率,這對(duì)于實(shí)現(xiàn)共同富裕并縮小城鄉(xiāng)收入差具有深遠(yuǎn)的現(xiàn)實(shí)意義。本文的邏輯思路及結(jié)構(gòu)安排如下:首先對(duì)金融集聚、城鄉(xiāng)收入差距的內(nèi)涵及度量方法進(jìn)行簡(jiǎn)要闡述,并回顧金融集聚與城鄉(xiāng)收入差距的相關(guān)理論基礎(chǔ);然后,利用區(qū)位熵指數(shù)方法分析我國(guó)銀行業(yè)、證券業(yè)和保險(xiǎn)業(yè)集聚的現(xiàn)狀特征,運(yùn)用城鄉(xiāng)收入比并從時(shí)空兩個(gè)層面剖析我國(guó)城鄉(xiāng)收入差距的現(xiàn)狀特征;接著,疏理金融集聚影響城鄉(xiāng)收入差距的直接與間接傳導(dǎo)機(jī)制,構(gòu)建兩部門(mén)經(jīng)濟(jì)模型解析金融集聚對(duì)城鄉(xiāng)收入差距的影響機(jī)制,并從實(shí)證角度檢驗(yàn)金融集聚對(duì)城鄉(xiāng)收入差距的直接和間接效應(yīng)及其空間異質(zhì)性特征;最后,進(jìn)行總結(jié)并提出相應(yīng)的政策建議。本研究的主要結(jié)論為:第一,我國(guó)銀行業(yè)、證券業(yè)以及保險(xiǎn)業(yè)主要集中在東部地區(qū),中部、西部以及東北地區(qū)的集聚水平低,而且不同類型的金融集聚在區(qū)域內(nèi)表現(xiàn)出差異化的變化趨勢(shì)。第二,我國(guó)城鄉(xiāng)收入差距在總體上歷經(jīng)了一個(gè)先上升后下降的倒“U”型變化趨勢(shì);西部地區(qū)的平均差距高,東部地區(qū)平均差距低,而且西部、中部和東北地區(qū)的城鄉(xiāng)收入差距呈現(xiàn)出下降的趨勢(shì)。第三,從全國(guó)范圍來(lái)看,銀行業(yè)和保險(xiǎn)業(yè)集聚顯著降低了城鄉(xiāng)收入差距,而且邊際效應(yīng)會(huì)隨地區(qū)經(jīng)濟(jì)發(fā)展水平的上升而減弱;在東部地區(qū),銀行業(yè)、證券業(yè)及保險(xiǎn)業(yè)集聚擴(kuò)大了城鄉(xiāng)收入差距,這一正影響會(huì)隨地區(qū)經(jīng)濟(jì)發(fā)展水平的上升而減弱,中部和東北地區(qū)的金融集聚則表現(xiàn)出與東部地區(qū)相反的影響效應(yīng);在西部地區(qū),銀行業(yè)和證券業(yè)集聚顯著擴(kuò)大了城鄉(xiāng)收入差距,保險(xiǎn)業(yè)集聚卻顯著縮小了城鄉(xiāng)收入差距,而且邊際影響都會(huì)隨西部地區(qū)經(jīng)濟(jì)發(fā)展水平的上升而減弱。
[Abstract]:Whether and how the spatial agglomeration or uneven distribution of financial resources affects the income gap between urban and rural areas has not been fully answered by existing theoretical and empirical studies, nor has a consensus been reached. Based on the perspective of financial agglomeration, this paper explores the influence mechanism of urban-rural income gap, and tries to add a new theoretical explanation for the causes of urban-rural income gap in China. In addition, on the basis of the analysis of the mechanism of financial agglomeration affecting urban-rural income gap, To improve the efficiency of urban and rural financial resources allocation by perfecting the institutional environment of spatial allocation of financial resources in China. This has far-reaching practical significance for realizing common prosperity and narrowing the income gap between urban and rural areas. The logical thinking and structural arrangement of this paper are as follows: firstly, the paper briefly expounds the financial agglomeration, the connotation and measurement method of urban-rural income gap. It also reviews the relevant theoretical basis of financial agglomeration and urban-rural income gap, and then analyzes the present situation characteristics of banking, securities and insurance industry agglomeration in China by using the method of location entropy index. Using the urban-rural income ratio and analyzing the current characteristics of the urban-rural income gap in China from the two aspects of time and space, then, the direct and indirect transmission mechanism of the financial agglomeration affecting the urban-rural income gap is discussed. Constructing two-sector economic model to analyze the influence mechanism of financial agglomeration on urban-rural income gap, and to test the direct and indirect effects of financial agglomeration on urban-rural income gap and their spatial heterogeneity from an empirical point of view; finally, The main conclusions of this study are as follows: first, the banking, securities and insurance industries in China are mainly concentrated in the eastern, central, western and northeast regions of the low level of concentration. Moreover, different types of financial agglomeration show a trend of differentiation in the region. Second, the income gap between urban and rural areas in China has experienced a trend of inverted "U" change, which rose first and then decreased, and the average gap in the western region is high. The average gap in the eastern region is low, and the urban-rural income gap in the western, central and northeast regions has shown a downward trend. Third, nationwide, the concentration of banking and insurance industries has significantly reduced the urban-rural income gap. Moreover, the marginal effect will weaken with the rising level of regional economic development. In the eastern region, the concentration of banking, securities and insurance industries will widen the urban-rural income gap, and this positive effect will weaken with the rising level of regional economic development. The financial agglomeration in the central and northeast regions has the opposite effect with the eastern region. In the western region, the banking and securities industry agglomeration has significantly enlarged the urban-rural income gap, while the insurance industry agglomeration has significantly narrowed the urban-rural income gap. Moreover, the marginal influence will weaken with the rise of the economic development level in the western region.
【學(xué)位授予單位】：湖南科技大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F124.7;F832

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