發(fā)布時間：2018-04-18 07:24

  本文選題：金融發(fā)展 + 城鄉(xiāng)收入差距　； 參考：《內(nèi)蒙古財經(jīng)大學》2013年碩士論文

【摘要】：金融對于一個社會的經(jīng)濟發(fā)展起著至關重要的作用，而經(jīng)濟的金融化已逐漸成為各國各地區(qū)經(jīng)濟發(fā)展的必然趨勢。改革開放以來，內(nèi)蒙古經(jīng)濟飛速發(fā)展，二十一世紀頭十年，年均經(jīng)濟增長率達到18.7%。經(jīng)濟增長率在2002—2009年連續(xù)8年居全國第一。伴隨著經(jīng)濟的快速發(fā)展，內(nèi)蒙古金融業(yè)也取得了較快發(fā)展，基本建成多種金融機構并存的多元化市場格局，金融資產(chǎn)總量不斷上升。針對收入差距問題，學者們從多方面研究了造成收入差距擴大的原因，但是早期學者很少直接關注金融發(fā)展與收入分配的關系，而是將其作為主要研究的附帶結論。近年來，學者們逐漸加大了對該附帶結論的關注，認識到金融發(fā)展與收入差距之間存在著內(nèi)在聯(lián)系，需要對二者的關系進行深入探討。本文立足于內(nèi)蒙古的實際情況，研究內(nèi)蒙古金融發(fā)展對城鄉(xiāng)居民收入差距的影響。 本文對內(nèi)蒙古金融發(fā)展的門檻效應、地區(qū)非均衡效應、降低貧困效應對城鄉(xiāng)收入差距的影響分別建立主成分回歸模型，協(xié)整模型、VAR與脈沖響應模型進行實證分析。金融發(fā)展的門檻效應會增大內(nèi)蒙古城鄉(xiāng)收入差距，金融發(fā)展的地區(qū)非均衡效應會增大內(nèi)蒙古城鄉(xiāng)收入差距，金融發(fā)展的降低貧困效應會減少內(nèi)蒙古城鄉(xiāng)收入差距。金融發(fā)展影響城鄉(xiāng)收入差距的三大機制是相互聯(lián)系，相互作用，共同對城鄉(xiāng)收入差距產(chǎn)生影響，其總效應是擴大了內(nèi)蒙古城鄉(xiāng)收入差距。 基于內(nèi)蒙古的金融實際，綜合考慮銀行、證券、保險行業(yè)的情況，分別設計出衡量金融發(fā)展的規(guī)模、效率、結構的指標，建立城鄉(xiāng)收入差距與金融發(fā)展的規(guī)模、效率、結構的協(xié)整模型，模型結果得出金融發(fā)展的規(guī)模、效率、結構分別與城鄉(xiāng)收入差距之間存在著正相關、負相關、負相關關系。所以，合理安排內(nèi)蒙古金融發(fā)展的規(guī)模，提高內(nèi)蒙古金融發(fā)展的效率，完善內(nèi)蒙古金融發(fā)展的結構，會有效地縮小內(nèi)蒙古城鄉(xiāng)居民收入差距。 總結全文理論與實證研究結果，提出相應的對策建議。一方面，發(fā)展農(nóng)村牧區(qū)金融。包括：發(fā)展各類新型農(nóng)村牧區(qū)金融機構，對民間金融組織的經(jīng)營活動進行嚴格監(jiān)管，健全農(nóng)牧業(yè)保險體系建設，扶持農(nóng)牧業(yè)信用擔保機構的建設等；另一方面，合理安排金融發(fā)展規(guī)模、提高效率、優(yōu)化結構。包括：充分發(fā)揮金融機構能力，提高金融機構效率，，構建多元化、多層次的金融體系等。
[Abstract]:Finance plays a vital role in the economic development of a society, and the financialization of economy has gradually become an inevitable trend of economic development in various countries and regions.Since the reform and opening up, Inner Mongolia economy has developed rapidly. In the first ten years of 21 century, the average annual economic growth rate has reached 18.7%.The economic growth rate ranked first in the country for 8 consecutive years in 2002-2009.With the rapid development of economy, the financial industry of Inner Mongolia has also made rapid development, and has basically built a diversified market pattern in which a variety of financial institutions coexist, and the total amount of financial assets has been rising.In view of the problem of income gap, scholars have studied the causes of the widening of income gap from many aspects, but the early scholars seldom pay attention to the relationship between financial development and income distribution, but regard it as the incidental conclusion of the main research.In recent years, scholars have gradually increased their attention to the collateral conclusion, recognizing that there is an inherent relationship between financial development and income gap, and the relationship between the two needs to be deeply discussed.Based on the actual situation of Inner Mongolia, this paper studies the influence of Inner Mongolia financial development on the income gap between urban and rural residents.This paper establishes the principal component regression model, cointegration model and pulse response model of the threshold effect, regional disequilibrium effect and poverty reduction effect of financial development in Inner Mongolia on the urban-rural income gap.The threshold effect of financial development will increase the income gap between urban and rural areas in Inner Mongolia, the regional disequilibrium effect of financial development will increase the income gap between urban and rural areas in Inner Mongolia, and the poverty reduction effect of financial development will reduce the income gap between urban and rural areas in Inner Mongolia.The three mechanisms of financial development which affect the income gap between urban and rural areas are mutual connection and interaction, which have a common impact on the urban-rural income gap. The total effect of financial development is to expand the urban-rural income gap in Inner Mongolia.Based on the financial reality of Inner Mongolia, considering the situation of banking, securities and insurance industry, the paper designs the index to measure the scale, efficiency and structure of financial development, and establishes the scale and efficiency of urban-rural income gap and financial development.The results show that the scale, efficiency and structure of financial development are positively, negatively and negatively correlated with the urban-rural income gap.Therefore, reasonably arranging the scale of financial development in Inner Mongolia, improving the efficiency of financial development in Inner Mongolia and perfecting the structure of financial development in Inner Mongolia will effectively reduce the income gap between urban and rural residents in Inner Mongolia.This paper summarizes the theoretical and empirical research results and puts forward corresponding countermeasures and suggestions.On the one hand, develop rural pastoral area finance.These include: developing various new types of financial institutions in rural and pastoral areas, strictly supervising the business activities of non-governmental financial organizations, improving the construction of agricultural and animal husbandry insurance systems, and supporting the construction of agricultural and animal husbandry credit guarantee institutions; on the other hand,Reasonable arrangement financial development scale, raise efficiency, optimize structure.It includes: giving full play to the ability of financial institutions, improving the efficiency of financial institutions, building a diversified and multi-level financial system and so on.
【學位授予單位】：內(nèi)蒙古財經(jīng)大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F124.7;F832;F224

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