普惠金融对城乡收入差距的影响研究
首发时间:2018-05-21
摘要:本文为研究县域普惠金融与城乡收入差距之间的关系,构建了县域普惠金融指数对县域普惠金融发展水平进行测度,结果表明湖南省县域普惠金融发展水平整体偏低且存在地区差异。在此基础上,利用2009-2014年湖南省87个县(市)的面板数据,建立了固定效应回归模型实证分析普惠金融对城乡收入差距的影响,结果表明:从整体上来看,普惠金融有利于缩小城乡收入差距;从各个地区来看,普惠金融缩小城乡收入差距的效应存在边际效应递减现象,在普惠金融水平较低的地区,缩小城乡收入差距的效应较大,在普惠金融水平较高的地区,缩小城乡收入差距的效应较小。根据实证结果,本文从发展普惠金融的角度提出了相关政策建议,以提高金融服务的覆盖范围、使用程度和服务质量,进而缩小城乡收入差距。
For information in English, please click here
Study on the impact of inclusive finance on urban-rural income gap
Abstract:In this paper, we construct the county inclusive financial index, which is used to measure the development level of the county\'s inclusive finance, and the results show that the level of inclusive finance development in Hunan province is low and there are regional differences. Then, based on the panel data of 87 counties (cities) in Hunan province from 2009 to 2014, this paper establishes a model of fixed effect regression model to analyze the impact of inclusive finance on the urban-rural income gap. The results show that from the perspective of Hunan province, inclusive finance is beneficial to narrow the Urban-rural income gap. From the perspective of various regions, the effect of inclusive finance on reducing the Urban-rural income gap has a diminishing marginal effect. In areas with low level of inclusive finance, the effect of narrowing the Urban-rural income gap is larger, and the effect of narrowing the Urban-rural income gap is smaller in areas with higher level of inclusive finance. According to the empirical results, this article from the perspective of inclusive financial development put forward some policy suggestions, in order to improve the coverage of financial services, use level and service quality, thus narrowing the income gap between urban and rural areas.
Keywords: Finance Inclusive finance Urban-rural income gap Fixed effect regression model.
引用
No.****
动态公开评议
共计0人参与
勘误表
普惠金融对城乡收入差距的影响研究
评论
全部评论0/1000