本文選題：河南省 + 金融發(fā)展�。� 參考：《遼寧大學(xué)》2017年碩士論文

【摘要】：自1978年以來,中國經(jīng)濟(jì)高速發(fā)展,人民生活得到改善,經(jīng)濟(jì)結(jié)構(gòu)持續(xù)優(yōu)化,金融業(yè)的比重持續(xù)增加,2015年河南省的金融業(yè)增加值占比4.05%,比2005年增加2.35個百分點(diǎn),河南省人均GDP由1978年的232元增加到2014年的37072元,但是人民生活水平提高的同時,城鄉(xiāng)收入差距也在逐漸擴(kuò)大,河南省城鄉(xiāng)收入差距由1978年的210元增長到2014年的14975元,在發(fā)展經(jīng)濟(jì)的同時,縮小城鄉(xiāng)收入差距、提高社會公平已經(jīng)成為當(dāng)務(wù)之急。本文采用了理論與實(shí)證、定性和定量相結(jié)合的分析方法,第一章對國內(nèi)外文獻(xiàn)進(jìn)行了梳理,將文獻(xiàn)分為了三類:金融發(fā)展擴(kuò)大收入差距、金融發(fā)展縮小收入差距和金融發(fā)展對收入差距的影響需要分類分析,第二章進(jìn)行了理論分析,先介紹了金融發(fā)展的概念和測度,對金融發(fā)展和城鄉(xiāng)收入差距的各個理論進(jìn)行分類,再從非均衡機(jī)制、門檻機(jī)制和經(jīng)濟(jì)增長機(jī)制角度闡述了金融發(fā)展對城鄉(xiāng)收入差距的傳導(dǎo)機(jī)制;在第三章現(xiàn)狀分析部分,搜集了河南省1978年至2014年的相關(guān)數(shù)據(jù),首先從銀行業(yè)、證券業(yè)和保險業(yè)三個角度介紹了河南省金融機(jī)構(gòu)的運(yùn)行狀況和金融業(yè)整體的發(fā)展?fàn)顟B(tài),接著從金融發(fā)展規(guī)模和金融發(fā)展效率兩個角度衡量了金融發(fā)展,選用FIR指標(biāo)研究金融發(fā)展規(guī)模,從銀行體系存貸比和固定資產(chǎn)投資兩個角度考察金融發(fā)展效率,接著分析了城鄉(xiāng)金融二元結(jié)構(gòu),選用了農(nóng)業(yè)貸款比和城鄉(xiāng)銀行密度差異兩個指標(biāo);在城鄉(xiāng)收入差距部分,從城鄉(xiāng)收入差、城鄉(xiāng)收入比和泰爾系數(shù)三個角度進(jìn)行了衡量,并與全國的情況進(jìn)行對比,分析了城鄉(xiāng)收入差距的趨勢;第四部分,選取了河南省1978年至2014年的數(shù)據(jù),實(shí)證分析了金融發(fā)展規(guī)模、效率、結(jié)構(gòu)和城鄉(xiāng)收入差距的關(guān)系,并用產(chǎn)業(yè)結(jié)構(gòu)作為控制變量,進(jìn)行了單位根檢驗(yàn)、協(xié)整分析和格蘭杰因果檢驗(yàn),用數(shù)據(jù)證實(shí)了它們之間存在長期關(guān)系,金融規(guī)模、效率和產(chǎn)業(yè)結(jié)構(gòu)有助于縮小城鄉(xiāng)收入差距、金融發(fā)展結(jié)構(gòu)惡化了收入差距;在最后一個章節(jié),根據(jù)前文的研究,提出了構(gòu)建全方位的金融體系、加強(qiáng)鄉(xiāng)鎮(zhèn)企業(yè)信貸供給、加強(qiáng)金融創(chuàng)新、統(tǒng)籌城鄉(xiāng)發(fā)展一體化、工業(yè)反哺農(nóng)業(yè)的政策建議。
[Abstract]:Since 1978, China's economy has developed at a high speed, people's living standards have improved, the economic structure has been continuously optimized, and the proportion of the financial industry has continued to increase. In 2015, the added value of the financial sector in Henan Province accounted for 4.05 percent, an increase of 2.35 percentage points over 2005. The per capita GDP in Henan Province increased from 232 yuan in 1978 to 37072 yuan in 2014, but at the same time the income gap between urban and rural areas is gradually widening as the standard of living of the people is improved. The income gap between urban and rural areas in Henan Province has increased from 210 yuan in 1978 to 14975 yuan in 2014. At the same time of economic development, narrowing the income gap between urban and rural areas and improving social equity has become an urgent task. The first chapter combs the literature at home and abroad and divides the literature into three categories: the financial development expands the income gap. It is necessary to classify the financial development to narrow the income gap and the impact of the financial development on the income gap. The second chapter makes a theoretical analysis, first introduces the concept and measurement of financial development. It classifies the theories of financial development and urban-rural income gap, and then expounds the transmission mechanism of financial development to urban-rural income gap from the angle of non-equilibrium mechanism, threshold mechanism and economic growth mechanism. This paper collects the relevant data of Henan Province from 1978 to 2014. First of all, it introduces the operating status of financial institutions and the overall development of the financial industry in Henan Province from the perspectives of banking, securities and insurance. Then it measures the financial development from the financial development scale and the financial development efficiency two angles, selects the FIR index to study the financial development scale, examines the financial development efficiency from the banking system deposit-loan ratio and the fixed assets investment two angles. Then it analyzes the dual structure of urban and rural finance, selects two indicators of agricultural loan ratio and urban and rural bank density difference; in the part of urban-rural income gap, measures it from three angles: urban-rural income difference, urban-rural income ratio and Thiel coefficient. In the fourth part, the author selects the data from 1978 to 2014 in Henan Province, and analyzes the relationship between the scale of financial development, efficiency, structure and urban-rural income gap. With the industrial structure as the control variable, the unit root test, cointegration analysis and Granger causality test are carried out. The data show that there is a long-term relationship between them. The financial scale, efficiency and industrial structure can help to narrow the income gap between urban and rural areas. The structure of financial development has worsened the income gap; in the last chapter, according to the previous study, it is proposed to build a comprehensive financial system, strengthen the credit supply of township enterprises, strengthen financial innovation, and coordinate the integration of urban and rural development. Policy recommendations on Industry feeding back Agriculture.
【學(xué)位授予單位】：遼寧大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F832.7;F124.7

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