摘要
利用2005 2011年中国省际面板数据和动态面板广义矩估计方法,实证研究了民间金融发展对城乡收入差距的影响及其机制。结果表明,民间金融发展能够显著地缩小我国城乡居民收入差距,而正规金融发展对城乡收入差距的影响并不显著;进一步研究其具体作用机制,发现民间金融对于城乡居民收入增加均有显著的促进作用,但较之于城镇居民,民间金融发展对于农村居民收入增长的推动作用更大,因而有助于缩小城乡居民收入差距。最后在总结研究结论的基础上给出相应的政策启示。
Based on China＇ s provincial panel data from 2005- 2011 and generalized method of moments for dynamic panel data, the author empirically studies how the development of informal finance influences urban rural income gap and its exact mechanism. The results indicate that the development of informal finance has significant effects on narrowing the urban-rural gap, but the effects of the development of formal finance are insignificant. Further examining the exact mechanism, the author found that informal finance increased the income of the urban residents and the rural residents significantly. But compared to urban residents, the promoting effects on income growth of rural residents are larger and thus the urban rural gap has been narrowed. Finally the corresponding policy implications are proposed based on the summary of research conclusions.
出处
《山东大学学报（哲学社会科学版）》
CSSCI
北大核心
2014年第6期67-78,共12页
Journal of Shandong University(Philosophy and Social Sciences)
基金
国家自然科学基金重点项目"民间金融风险:变迁
区域差异与治理研究"(71333009)
国家自然科学基金面上项目"小额贷款公司系统性风险的评估与度量研究"(71273155)
关键词
民间金融
城乡收入差距
正规金融
informal finance
urban-rural income gap
formal finance
