【摘要】：摘要：受二元經(jīng)濟結(jié)構(gòu)的長期影響,我國城鄉(xiāng)發(fā)展差異顯著,城鄉(xiāng)居民收入差距依然較大,并已成為我國經(jīng)濟和社會發(fā)展的制約因素。金融發(fā)展被認為是促進農(nóng)村經(jīng)濟發(fā)展和農(nóng)民增收的重要手段,是解決城鄉(xiāng)收入差距問題的主要途徑。但目前農(nóng)村金融市場發(fā)展尚不成熟,城鄉(xiāng)金融發(fā)展嚴重不均衡,進一步加劇了城鄉(xiāng)間收入分配的差距�；诖�,論文選取全國和東、中、西部的代表省份山東、安徽和云南,研究城鄉(xiāng)金融非均衡發(fā)展對城鄉(xiāng)居民收入差距的影響,以期發(fā)現(xiàn)影響城鄉(xiāng)居民收入差距的具體金融發(fā)展因素,并就此提出針對性的改進建議。 論文首先在分析大量國內(nèi)外相關(guān)文獻及研究成果之后,對金融非均衡發(fā)展相關(guān)理論及收入分配的倒U型曲線效應(yīng)進行理論闡釋。在此基礎(chǔ)上,探索城鄉(xiāng)金融非均衡發(fā)展對城鄉(xiāng)居民收入差距的作用機理。然后構(gòu)建了城鄉(xiāng)收入差距、金融發(fā)展規(guī)模、金融發(fā)展效率、金融組織空間分布、金融結(jié)構(gòu)等的測度指標,通過現(xiàn)狀描述和比較分析,對全國及三個代表省份的城鄉(xiāng)收入差距及金融非均衡發(fā)展現(xiàn)狀進行分析后發(fā)現(xiàn),我國城鄉(xiāng)收入差距依然較大,且地區(qū)間存在差異；城鄉(xiāng)金融非均衡現(xiàn)象嚴重,區(qū)域間的差異也很明顯。接著,論文構(gòu)建VAR模型,通過協(xié)整檢驗、脈沖響應(yīng)函數(shù)、方差分解和格蘭杰因果檢驗等形式,實證檢驗了城鄉(xiāng)金融非均衡發(fā)展對城鄉(xiāng)收入差距的影響。結(jié)果顯示,金融發(fā)展規(guī)模、金融發(fā)展效率、金融結(jié)構(gòu)的城鄉(xiāng)非均衡都會對城鄉(xiāng)居民收入差距造成不同程度的影響,且對城鄉(xiāng)收入差距影響顯著的因素在地區(qū)間有不同。最后,論文以現(xiàn)狀分析和實證結(jié)論為依據(jù),從金融發(fā)展的視角,提出一系列促進農(nóng)村金融發(fā)展并依此縮小城鄉(xiāng)收入差距的建議,包括擴大農(nóng)村金融發(fā)展規(guī)模、提高農(nóng)村金融發(fā)展效率、優(yōu)化農(nóng)村金融結(jié)構(gòu)和農(nóng)村金融機構(gòu)空間布局等。
[Abstract]:Abstract: under the long-term influence of dual economic structure, the difference between urban and rural development is significant, and the income gap between urban and rural residents is still large, and has become a restriction factor of economic and social development in China. Financial development is regarded as an important means to promote rural economic development and increase farmers' income, and is the main way to solve the problem of urban-rural income gap. But at present, the development of rural financial market is not mature, the development of urban and rural finance is seriously unbalanced, which further exacerbates the income distribution gap between urban and rural areas. Based on this, this paper selects the representative provinces of Shandong, Anhui and Yunnan to study the impact of the unbalanced development of urban and rural finance on the income gap between urban and rural residents. In order to find out the specific financial development factors affecting the income gap between urban and rural residents, and put forward targeted suggestions for improvement. Firstly, after analyzing a large number of domestic and foreign literatures and research results, this paper theoretically explains the theory of financial disequilibrium development and the effect of inverted U-shaped curve of income distribution. On this basis, this paper explores the mechanism of the unbalanced development of urban and rural finance on the income gap between urban and rural residents. Then it constructs the measurement indexes of urban-rural income gap, scale of financial development, financial development efficiency, spatial distribution of financial organizations, financial structure and so on. After analyzing the income gap between urban and rural areas and the current situation of financial imbalance in the whole country and the provinces of three represents, it is found that the income gap between urban and rural areas is still large and there are differences between regions, and the phenomenon of financial disequilibrium between urban and rural areas is serious. Regional differences are also evident. Then, the paper constructs a VAR model. Through cointegration test, impulse response function, variance decomposition and Granger causality test, the paper empirically tests the effect of urban-rural financial disequilibrium development on urban-rural income gap. The results show that the scale of financial development, the efficiency of financial development and the urban-rural disequilibrium of financial structure all have different effects on the income gap of urban and rural residents, and the factors that have significant influence on the urban-rural income gap are different in different regions. Finally, based on the current situation analysis and empirical conclusions, from the perspective of financial development, the paper puts forward a series of suggestions to promote rural financial development and reduce the income gap between urban and rural areas, including expanding the scale of rural financial development. Improve the efficiency of rural financial development, optimize the rural financial structure and the spatial distribution of rural financial institutions.
【學(xué)位授予單位】：中南大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F124.7;F832

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