本文選題：金融發(fā)展 + 收入分配�。� 參考：《湖南大學(xué)》2014年碩士論文

【摘要】：改革開放以來，我國經(jīng)濟高速增長，持續(xù)發(fā)展，國民生產(chǎn)總值由1978年的3645億元增長至2012年的51.95萬億元。但經(jīng)濟快速成長背后，經(jīng)濟增長的成果并非均勻、同比例被公民共同享有。根據(jù)國家統(tǒng)計局2014年1月20日發(fā)布的數(shù)據(jù)顯示，我國居民收入基尼系數(shù)為0.473，遠高于國際警戒線的數(shù)字，，經(jīng)濟的增長并沒有遵循帕累托改進的路徑發(fā)展，這表明我國在收入分配上存在很大的改進余地。 金融發(fā)展作為影響收入分配不平等的重要原因，主要是通過福利效應(yīng)、門檻效應(yīng)、非均衡效應(yīng)三個機制渠道影響收入分配的差距。三種效應(yīng)在金融發(fā)展的過程中同時發(fā)生作用，金融發(fā)展對收入分配最終的影響結(jié)果取決于此三種效應(yīng)力量的對比。在不同的經(jīng)濟特征與金融發(fā)展水平條件下，三種效應(yīng)的大小此消彼長，共同引致前者對后者的影響呈現(xiàn)出非線性的關(guān)系。具體關(guān)系上，兩者之間的關(guān)系服從庫茨涅茲的倒“U”型曲線軌跡。本文具體運用Hansen的門檻回歸模型實證得出：我國金融發(fā)展與收入分配之間顯示出“閾值”效應(yīng)，傾向于以金融發(fā)展水平為門檻劃分區(qū)間的分段函數(shù)關(guān)系。當(dāng)前我國發(fā)展階段，金融發(fā)展與收入分配差距的關(guān)系呈現(xiàn)倒“U”型曲線左半部特征，金融發(fā)展水平還沒有達到高閾值，尚且處于倒“U”型曲線左半部分的上行線上，收入差距在金融發(fā)展水平的影響下將進一步擴大�；谠摲治鼋Y(jié)論，文章從調(diào)節(jié)信貸投向與信貸結(jié)構(gòu)、鼓勵“利貧金融”的創(chuàng)新、健全小微企業(yè)融資、構(gòu)建普惠的金融服務(wù)體系、改善對貧困群體的服務(wù)歧視的金融生態(tài)五個角度提出金融發(fā)展改善收入分配差距的政策措施。
[Abstract]:Since the reform and opening up, China's economy has grown at a high speed and sustained development. The gross national product (GNP) has increased from 364.5 billion yuan in 1978 to 51.95 trillion yuan in 2012. But behind the rapid economic growth, the results of economic growth are not uniform, the same proportion is shared by citizens. According to the data released by the National Bureau of Statistics on January 20, 2014, the Gini coefficient of Chinese residents' income is 0.473, which is far higher than the number of international warning lines, and the economic growth has not followed the path of Pareto improvement. This indicates that there is great room for improvement in income distribution in China. Financial development, as an important reason influencing income distribution inequality, mainly affects the income distribution gap through three mechanism channels: welfare effect, threshold effect and non-equilibrium effect. The three effects play an important role in the process of financial development. The final effect of financial development on income distribution depends on the comparison of the three effects. Under the conditions of different economic characteristics and financial development level, the magnitude of the three effects fluctuates one by one, which together leads to the nonlinear relationship between the former and the latter. Specifically, the relationship between the two from Kuznetz's inverted "U" curve trajectory. Based on the threshold regression model of Hansen, this paper draws a conclusion that there is a "threshold" effect between financial development and income distribution in China, which tends to take the level of financial development as the threshold to divide the segmental function of the interval. At present, the relationship between financial development and income distribution gap is characterized by the left half of the inverted "U" curve. The level of financial development has not reached the high threshold yet, and it is still on the upward line of the left half of the inverted "U" curve. Income gap will be further expanded under the influence of financial development level. Based on the conclusion of the analysis, this paper tries to adjust the credit orientation and credit structure, encourage the innovation of "pro-poor finance", perfect the financing of small and micro enterprises, and construct the inclusive financial service system. From the five angles of improving the financial ecology of service discrimination against the poor group, this paper puts forward the policies and measures to improve the income distribution gap in the financial development.
【學(xué)位授予單位】：湖南大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F832;F124.7

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本文編號：1979153