摘要
城乡家庭收入差距依然较大已成为我国“不平衡发展”的现状之一,从家庭部门视角探索家庭金融行为对收入差距的动态影响机制对于调整金融资源配置的不平衡性、缓解城乡收入差距进一步扩大具有重要的理论和现实意义。结合2011年、2013年、2015年、2017年中国家庭金融调查数据,构建了城乡家庭金融行为与收入差距的两部门模型及其面板混合效应的回归,对我国城乡家庭两部门模型的分析从数理上证明了城乡家庭金融行为差异对收入差距的影响机制,从资产负债率的差异推导了两部门中城乡家庭收入差距可能存在的动态路径。面板混合效应的估计结果显示两部门模型中城乡家庭金融行为对收入差距的影响呈现出较为明显的正“U”型关系,表明从长期来看城乡家庭金融行为差异的改善能够缓解收入差距的进一步扩大。因此,加大对农村金融的扶持力度的同时避免农村家庭“盲目负债”可以在一定程度上有助于缩小收入差距。
The income gap between urban and rural families is still large,which has become one of the current situations of“unbalanced development”in China.It is of great theoretical and practical significance to explore the dynamic influence mechanism of family financial behavior on the income gap from the perspective of family sector for adjusting the imbalance of financial resource allocation and alleviating the further expansion of the income gap between urban and rural areas.Based on the data of 2011,2013,2015 and 2017 China’s household financial survey,this paper constructs a two-sector model of urban and rural household financial behavior and income gap and regression of its panel mixed effect.The analysis of the two-sector model of urban and rural households in China proves the influence mechanism of the difference of urban and rural household financial behavior on income gap from the mathematical point of view.The results of panel mixed effect show that the impact of urban and rural household financial behavior on income gap in the two sector model shows a more obvious“positive U”relationship,which shows that in the long run,the improvement of urban and rural household financial behavior difference can alleviate the further expansion of income gap.Therefore,increasing the support for rural finance and avoiding the“blind debt”of rural families can help to narrow the income gap to a certain extent.
作者
崔泽园
杨有振
胡中立
CUI Ze-yuan;YANG You-zhen;HU Zhong-li(Shanxi University of Finance and Economics,Taiyuan 030006,China;Party School of Shanxi Institute Committee of CPC,Taiyuan 030006,China)
出处
《经济问题》
CSSCI
北大核心
2021年第7期62-69,共8页
On Economic Problems
基金
国家社会科学基金项目“流动性风险约束与中国商业银行资本结构的动态调整机制研究”(15BJY178)
2020年度山西省哲学社会科学规划课题重点项目“习近平总书记关于能源革命的重要论述指导山西实践研究”(2020ZD039)。
关键词
家庭金融行为
收入差距
动态影响机制
family financial behavior
income gap
dynamic influence mechanism
