中国农村金融发展对城乡收入差距的影响——基于1978—2004年数据的检验

The Influence of China Rural Financial Development on Urban-rural Income Gap

大多数研究表明,改革开放以来,中国整体金融发展显著扩大了城乡收入差距,同时,它们从城乡金融发展不平衡角度进行了理论阐释。本文则从农村自身经济发展层面出发运用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,防范农村金融风险。

Most research show that the overall financial development in china has enlarged urban--rural income gap apparently, since reforming and opening up. At the same time, they have explained it from urban and rural finance unbalanced angle. This paper has analysed the relation between rural financial development and urban-rural income gap from the rural self layer surface of 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 non-standard. The realistic way is that we prevent rural fund outflow and offer more rural regular financial resources, standard irregular finance development, guard against rural financial risk.