本文選題：金融發(fā)展 + 城鄉(xiāng)收入差距　； 參考：《上海理工大學》2014年碩士論文

【摘要】：經(jīng)過30多年改革發(fā)展,我國已經(jīng)從貧窮落后的國家發(fā)展成為世界第二大經(jīng)濟體,人民生活水平得到巨大改善。伴隨著經(jīng)濟的迅速發(fā)展,關乎民生的諸多問題也越來越突出,城鄉(xiāng)收入差距問題是其中之一。影響城鄉(xiāng)收入差距的因素有很多,金融發(fā)展是其中較為重要的一個。上海作為中國大陸的金融中心,金融發(fā)展水平最高,同時也存在一定的城鄉(xiāng)收入差距問題。對上海金融發(fā)展與城鄉(xiāng)收入差距關系進行研究,探索內(nèi)在影響機制,分析問題,提出政策建議,對建設和諧社會具有重要現(xiàn)實意義。為了保證課題研究的科學性,本文采用理論分析法、規(guī)范分析法以及實證分析法相結合的分析方法對上海金融發(fā)展與城鄉(xiāng)收入差距的關系進行實證研究。本文首先回顧了國內(nèi)外研究金融發(fā)展與收入差距的相關文獻,了解相關研究領域的歷史與現(xiàn)狀。在金融發(fā)展與收入差距經(jīng)典理論的基礎上,從產(chǎn)出和投資兩個渠道分析了金融發(fā)展影響城鄉(xiāng)收入差距的作用機制,總結出金融發(fā)展通過工資性收入、經(jīng)營收入、財產(chǎn)性收入以及轉(zhuǎn)移性收入四條主要路徑影響城鄉(xiāng)收入差距;其次,分別對上海金融發(fā)展與城鄉(xiāng)收入差距現(xiàn)狀進行描述,并通過收入的四個來源定性地分析了金融發(fā)展對城鄉(xiāng)收入差距的影響,發(fā)現(xiàn)金融發(fā)展擴大了城鄉(xiāng)收入差距,但最近幾年收入差距表現(xiàn)出較為平穩(wěn)的發(fā)展趨勢;最后利用1978-2012年相關時間序列數(shù)據(jù),構建金融發(fā)展規(guī)模、金融發(fā)展效率、經(jīng)濟發(fā)展以及產(chǎn)業(yè)結構指標,通過相應的VAR模型,VECM模型,Granger因果檢驗,脈沖響應以及方差分解研究上海金融發(fā)展對城鄉(xiāng)收入差距的影響,在此基礎上提出縮小上海城鄉(xiāng)收入差距的政策建議。實證結果證明:長期內(nèi)金融發(fā)展與城鄉(xiāng)收入差距存在穩(wěn)定的關系,上海金融發(fā)展規(guī)模的擴張能夠縮小城鄉(xiāng)收入差距;而上海金融發(fā)展效率的提高會帶來社會收入分配的不公,表現(xiàn)為城鄉(xiāng)收入差距的擴大。說明上海城鄉(xiāng)金融發(fā)展不均衡,由于政策、風險、收益等原因,金融資源傾向城市,農(nóng)村金融發(fā)展緩慢。在實證分析結論的基礎上從金融發(fā)展角度提出縮小上海城鄉(xiāng)收入差距的政策建議:上海應在健全多元化的金融體系,提高金融體系的效率和質(zhì)量的同時,重視農(nóng)村金融發(fā)展。應當逐步建立農(nóng)村資金回流機制,規(guī)范非正規(guī)金融的發(fā)展,大力發(fā)展農(nóng)村小額信貸機構,完善農(nóng)村信貸擔保體系,加快發(fā)展政策性農(nóng)業(yè)保險制度,大力推動農(nóng)村金融創(chuàng)新,豐富農(nóng)村金融產(chǎn)品和服務。
[Abstract]:After more than 30 years of reform and development, China has developed from a poor and backward country to the second largest economy in the world, and its people's living standards have been greatly improved. With the rapid development of economy, many problems related to people's livelihood are becoming more and more prominent, and the income gap between urban and rural areas is one of them. There are many factors that affect the income gap between urban and rural areas, financial development is one of the more important. As a financial center in mainland China, Shanghai has the highest level of financial development, and there is also a certain income gap between urban and rural areas. It is of great practical significance to study the relationship between the financial development of Shanghai and the income gap between urban and rural areas, to explore the internal influence mechanism, to analyze the problems, and to put forward some policy suggestions for the construction of a harmonious society. In order to ensure the scientific nature of the research, this paper uses the theoretical analysis method, the normative analysis method and the empirical analysis method to analyze the relationship between the financial development of Shanghai and the income gap between urban and rural areas. Firstly, this paper reviews the literature on financial development and income gap at home and abroad, and finds out the history and present situation of related research fields. On the basis of the classical theory of financial development and income gap, this paper analyzes the mechanism of financial development influencing the income gap between urban and rural areas from the two channels of output and investment, and concludes that the financial development through wage income, operating income, Property income and transfer income affect the income gap between urban and rural areas. Secondly, the current situation of financial development and urban-rural income gap in Shanghai is described. Through the qualitative analysis of the influence of the financial development on the urban-rural income gap through the four sources of income, it is found that the financial development has enlarged the urban-rural income gap, but the income gap has shown a relatively stable development trend in recent years. Finally, by using the relevant time series data from 1978 to 2012, the scale of financial development, the efficiency of financial development, the economic development and the industrial structure are constructed, and the corresponding VAR model and VECM model are tested by Granger causality test. The impulse response and variance decomposition are used to study the impact of financial development on the income gap between urban and rural areas in Shanghai. On this basis, some policy suggestions are proposed to narrow the income gap between urban and rural areas in Shanghai. The empirical results show that there is a stable relationship between the financial development and the urban-rural income gap in the long run, and the expansion of the scale of financial development in Shanghai can narrow the urban-rural income gap, while the improvement of the financial development efficiency in Shanghai will lead to unfair distribution of social income. This is manifested in the widening income gap between urban and rural areas. It shows that the development of Shanghai's urban and rural finance is not balanced, because of policy, risk, income and so on, the financial resources tend to be urban, and the rural financial development is slow. Based on the conclusion of empirical analysis, this paper puts forward some policy suggestions on narrowing the income gap between urban and rural areas from the perspective of financial development: Shanghai should pay attention to the development of rural finance while improving the efficiency and quality of the financial system while perfecting the diversified financial system. We should gradually establish a mechanism for the return of rural funds, standardize the development of informal finance, vigorously develop rural micro-credit institutions, improve the rural credit guarantee system, speed up the development of policy-oriented agricultural insurance systems, and vigorously promote rural financial innovation. Enrich rural financial products and services.
【學位授予單位】：上海理工大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F124.7;F832.7

【參考文獻】

相關期刊論文 前6條

1 魯釗陽;;城鄉(xiāng)金融發(fā)展與收入差距研究[J];商業(yè)研究;2012年10期

2 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”研究[J];經(jīng)濟經(jīng)緯;2009年01期

3 唐禮智;劉喜好;賈璇;;我國金融發(fā)展與城鄉(xiāng)收入差距關系的實證研究[J];農(nóng)業(yè)經(jīng)濟問題;2008年11期

4 張立軍;湛泳;;金融發(fā)展影響城鄉(xiāng)收入差距的三大效應分析及其檢驗[J];數(shù)量經(jīng)濟技術經(jīng)濟研究;2006年12期

5 溫濤,冉光和,熊德平;中國金融發(fā)展與農(nóng)民收入增長[J];經(jīng)濟研究;2005年09期

6 姚耀軍;金融發(fā)展與城鄉(xiāng)收入差距關系的經(jīng)驗分析[J];財經(jīng)研究;2005年02期

，

本文編號：2114022