本文選題：普惠金融 + 城鄉(xiāng)收入差距��； 參考：《浙江工商大學(xué)》2015年碩士論文

【摘要】：改革開放后,我國經(jīng)濟(jì)穩(wěn)步發(fā)展,作為現(xiàn)代經(jīng)濟(jì)核心的金融業(yè)也有了長足進(jìn)步。但是,當(dāng)前金融體系存在的內(nèi)在缺陷也暴露了出來,貧富分化加劇、中小企業(yè)融資難、地區(qū)金融發(fā)展差距不斷擴(kuò)大等問題日益嚴(yán)重,使得金融體系需要改革的呼聲一直不斷。同時,由于普遍存在的城鄉(xiāng)二元結(jié)構(gòu)的影響,我國目前的金融體系是割裂的,金融資源的配置不平等,部分區(qū)域金融呈現(xiàn)荒漠化,直接導(dǎo)致了我國城鄉(xiāng)收入差距的持續(xù)擴(kuò)大。為了解決這些問題,近年來我國提出了構(gòu)建普惠金融體系,希望能擴(kuò)大金融服務(wù)覆蓋的范圍,確保所有人群都能享受到安全、便捷的金融服務(wù),從而達(dá)到消除貧困、縮小城鄉(xiāng)收入差距、促進(jìn)城鄉(xiāng)經(jīng)濟(jì)均衡增長的目的。在此背景下,研究我國普惠金融發(fā)展水平對城鄉(xiāng)收入差距的影響,對于我國推進(jìn)普惠金融體系建設(shè)、實現(xiàn)城鄉(xiāng)經(jīng)濟(jì)協(xié)調(diào)發(fā)展、探討縮小城鄉(xiāng)差距的有效措施具有重要意義。本文在詳細(xì)闡述普惠金融的提出背景及涵義的基礎(chǔ)上,重點分析我國普惠金融和城鄉(xiāng)收入差距的現(xiàn)狀以及影響機(jī)理,試圖從理論層面探尋普惠金融發(fā)展是否能改變我國城鄉(xiāng)收入差距不斷擴(kuò)大的現(xiàn)狀。然后在回顧各學(xué)者對普惠金融發(fā)展指數(shù)指標(biāo)體系研究的基礎(chǔ)上,運用Sarma(2008)提出的構(gòu)建普惠金融發(fā)展指數(shù)的計算方法,構(gòu)建了由金融服務(wù)可獲得性、金融服務(wù)的使用情況、金融服務(wù)質(zhì)量3個維度13個指標(biāo)組成的普惠金融發(fā)展指數(shù)指標(biāo)體系,并利用該指標(biāo)體系測度出全國31個省2006-2014年間的普惠金融發(fā)展指數(shù)。結(jié)果顯示我國普惠金融發(fā)展水平呈現(xiàn)逐年提高、且東部高于中部高于西部的趨勢。其次本文運用2006-2014年間31個省份的省級面板數(shù)據(jù)構(gòu)建了面板向量自回歸模型(PVAR),從動態(tài)角度研究普惠金融發(fā)展對城鄉(xiāng)收入差距的影響作用,定量測度各地區(qū)普惠金融發(fā)展水平對城鄉(xiāng)收入差距的影響幅度,并運用靜態(tài)面板模型進(jìn)行了穩(wěn)健性檢驗。實證結(jié)果顯示：在全國范圍內(nèi),普惠金融發(fā)展指數(shù)滯后一期對城鄉(xiāng)收入差距具有負(fù)向作用,即普惠金融發(fā)展速度的提升將縮小城鄉(xiāng)收入差距,其縮小幅度西部地區(qū)大于中部地區(qū)大于東部地區(qū),普惠金融發(fā)展對城鄉(xiāng)收入差距的影響時間中部和西部也要顯著長于東部地區(qū),在西部和中部地區(qū)提升普惠金融發(fā)展水平將顯著且持續(xù)縮小城鄉(xiāng)收入差距。
[Abstract]:After reform and opening up, our country economy develops steadily, as the core of modern economy, the financial industry also has made great progress. However, the inherent defects of the current financial system are also exposed, such as the growing polarization between the rich and the poor, the difficulty of financing for small and medium-sized enterprises, and the widening gap in regional financial development, which make the calls for reform of the financial system to be constant. At the same time, because of the widespread dual structure between urban and rural areas, the current financial system of China is divided, the allocation of financial resources is not equal, and some regional finance is desertification, which directly leads to the continued expansion of the income gap between urban and rural areas in China. In order to solve these problems, in recent years, our country has proposed the construction of inclusive financial system, hoping to expand the coverage of financial services, ensure that all people can enjoy safe and convenient financial services, thereby achieving poverty eradication. Narrowing the income gap between urban and rural areas and promoting balanced economic growth in urban and rural areas. Under this background, it is of great significance to study the influence of inclusive financial development level on the income gap between urban and rural areas, to promote the construction of inclusive financial system, to realize the coordinated development of urban and rural economy, and to explore effective measures to narrow the gap between urban and rural areas. On the basis of expounding the background and meaning of inclusive finance in detail, this paper focuses on analyzing the current situation and influence mechanism of inclusive finance and urban-rural income gap in China. This paper attempts to explore theoretically whether the development of inclusive finance can change the widening income gap between urban and rural areas in China. Then, on the basis of reviewing the research on the index system of inclusive financial development, and using the calculation method of constructing inclusive financial development index proposed by Sarmai 2008, this paper constructs the availability of financial services and the use of financial services. The index system of inclusive financial development index is composed of 13 indexes of three dimensions of financial service quality. The index system is used to measure the inclusive financial development index of 31 provinces in China from 2006 to 2014. The results show that the development level of inclusive finance in China is increasing year by year, and the eastern part is higher than the central part. Secondly, using provincial panel data of 31 provinces from 2006 to 2014, this paper constructs a panel vector autoregressive model (PVARA) to study the impact of inclusive financial development on urban-rural income gap from a dynamic point of view. This paper quantitatively measures the influence of inclusive financial development level on the income gap between urban and rural areas, and uses the static panel model to test the stability of the income gap between urban and rural areas. The empirical results show that: in the whole country, the lag of inclusive financial development index has a negative effect on the urban-rural income gap, that is, the improvement of inclusive financial development speed will narrow the urban-rural income gap. The extent of its reduction is greater in the western region than in the central region than in the eastern region, and the impact of inclusive financial development on the urban-rural income gap is also significantly longer in the central and western regions than in the eastern region. Raising the level of inclusive finance in the western and central regions will significantly and continuously narrow the income gap between urban and rural areas.
【學(xué)位授予單位】：浙江工商大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2015
【分類號】：F124.7;F832.35

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