居民收入差距与城乡金融服务一体化发展探讨

Research on Resident's Income Gap and Financial Service Integration Development in Urban and Rural

金融是现代经济的核心。我国城乡金融在发展过程中呈现出典型的二元结构特征,金融的二元结构对居民收入差距产生重要影响。本文通过构建函数模型和实证研究,阐释了城乡金融服务的二元结构对居民收入差距存在协整关系和双向因果关系,在进一步分析制约城乡金融服务一体化因素的基础上,基于研究结论提出促进我国城乡金融服务一体化发展的政策建议。

Finance is the core of modern economy, in the development process, urban and rural finance shows a typical dual structure characters. The relationships between the dual structures of financial and the gap of residents＇ income are concerned with modern academia. Through building model and empiri- cal research, this paper expound that there are co-integration relationship and two-way causality between the dual structure of urban and rural financial services and the gap of residents＇ income. And then this paper analyzes the factors that constraint the integration of urban and rural financial services, base on the analyses this paper put forward some policy recommendations.