我国农村金融发展对城乡收入差距的影响

China Rural Financial Development's Influence on Urban-Rural Income Gap

大多数研究表明,中国整体金融发展显著扩大了城乡收入差距,但它们均未从农村金融发展的视角对城乡收入差距进行研究。本文从农村自身经济金融发展层面出发运用1978-2004年的相关数据,分析了农村金融发展与城乡收入差距之间的关系,结果显示:农村金融发展扩大了城乡收入差距,究其原因主要是农村资金的不断外流和非正规金融的不规范发展,加剧了城乡收入差距的扩大。现实的出路是遏制农村资金外流,提供更多的农村正规金融资源;规范非正规金融发展。

This paper has analyzed the relation between rural financial development and urban- rural income gap from the rural economic growth from 1978 to 2004. The result shows that rural financial development has enlarged urban- rural income gap. The reason is that the rural fund outflew and that irregular finance developed in informal means. The reaUstie way is that we prevent rural fund outflow, offer more rural formal financial resources, and formalize informal finance development.