收入差距、借贷水平与居民消费的地区及城乡差异

Regional Difference,Urban and Rural Income Inequality, Credit Level and Consumption

本文通过构建泰尔指数和家庭借贷指标,利用静态和动态面板数据模型对收入差距、借贷水平对居民消费影响的地区及城乡差异进行了实证研究。结果显示:收入与消费的正向关系显著,但城乡和地区间仅存在微弱差异;借贷水平、收入差距与消费间分别呈现出显著正向和负向关系,且这两种关系均存在较强的城乡和地区差异;2006年全面取消农业税的政策对农村居民消费产生了显著利好影响,这种影响程度取决于农业在经济中的重要度。政府要促进居民消费,不仅应在政策上倾斜于农村和中西部地区、着力优化收入分配、持续提高农村和内陆地区城乡居民的收入水平、缩小收入差距,而且应该着力推进消费金融的发展。

Through constructing the Theil index and household credit index,this paper aims to research the impact difference of income inequality,credit level on consumption in three regions, urban and rural areas. It is concluded that income and consumption has significantly positive relationship,but the difference is unapparent in urban,rural areas or regions. Nevertheless,credit level and income inequality are significantly positive and negative to consumption,and this relationship has regional difference,including urban and rural. The abolition of agricultural tax has beneficial impact on rural residents consumption,and the degree of this effect depends on the important level of agriculture in economy. The government should formulate more benefit policies to rural people and those people living in the central and western regions to promote consumption. On the other hand,it should optimize income allocation and continue to improve income level of rural and inland residents to reduce the income gap. Moreover,developing consumer finance to promote consumption is also available.