A Research on the Threshold Effect of Credit Rationingupon the Urban-rural Income Gap in Rural Areas

在剖析了信贷配给与城乡收入差距之间作用机制的基础上,论文构建了信贷配给与城乡收入差距的面板门槛模型,选取3 1 个省市1987年- 201 3年的省级面板数据,运用面板门槛模型估计方法,实证分析信贷配给对城乡收入差距的影响,并且从区域层面进行了比较分析.结果显示：降低信贷配给程度有助于缓解城乡收入差距,而从东部、中部、西部三大区域的实证结果来看,各地区的信贷配给程度的提升对城乡收入差距的扩大有不同程度的影响.最后根据研究结果,提出降低各地区农业信贷配给程度的措施,从而达到缩小城乡收入差距的目的.

This paper analyzes the mechanism between credit rationing and urban-rural income gap.On this basis,this paper builds the panel threshold model between credit rationing and urban-rural income gap,selects the provincial panel data of 31 provinces in 1987-2013,uses the panel threshold model estimation method,empirically analyzes the impact between credit rationing and urban-rural income gap,and makes a comparative analysis in the regional level.The results shows that: reducing the degree of credit rationing helps alleviating urban-rural income gap.The empirical results of three regions of eastern,central and western shows that,enhancing the credit rationing of the various regions has different degrees of impact on the expansion of urban-rural income gap.Finally,according to the results,this paper makes measures to reduce the extent of agricultural credit rationing in each region,so as to achieve the purpose of narrowing the income gap.