摘要
本文利用金融包容指数和泰尔指数分别测算普惠金融发展水平和城乡居民收入差距,运用VAR模型、协整和格兰杰检验对中国1985~2012年普惠制金融与城乡居民收入差距的关系进行分析。研究结果表明,普惠制金融发展与中国城乡居民收入差距之间存在长期的均衡关系,普惠制金融发展水平的提高能缩小城乡居民收入差距,但作用效果不明显;前者是后者的格兰杰原因,普惠制金融发展会影响居民收入差距,而城乡居民收入差距不会对普惠制金融的发展产生影响。鉴于此,必须加大金融改革力度,明晰金融机构市场定位,健全与完善普惠制金融功能。
This paper uses financial inclusion index and Theil index to estimate the level of inclusive finance development and the urban-rural residents' income gap, and uses VAR model, co-integration test and Granger test to analyze the relationship between inclusive finance and urban-rural residents' income gap during 1985-2012. The results of the paper show that there is a long-term equilibrium relationship between inclusive finance development and urban-rural residents' income gap,and the increase in the level can reduce the gap, but the effect is not very obvious; the former is the Granger reason of the latter, inclusive finance development influences urban-rural residents' income gap, but the gap does not influence inclusive finance development. Therefore, it's necessary to strengthen financial reform, clarify market functions of financial institutions, and improve the functions of inclusive finance.
出处
《金融论坛》
CSSCI
北大核心
2014年第9期9-15,共7页
Finance Forum
基金
新疆生产建设兵团社科基金项目"兵团新型金融组织创建与发展研究"(11BTYB07)
石河子大学高层次人才项目"基于普惠制的新疆农村金融体系建设研究"(RCSX201109)
关键词
普惠制金融
城乡居民收入差距
协整检验
格兰杰因果
inclusive finance
urban-rural residents' income gap
co-integration test
Granger test
