农村金融排斥对城乡收入差距的影响——基于中国省域面板数据的分析

The Effects of Rural Financial Exclusion on Urban-rural Income Gap in China:An Analysis Based on Provincial Panel Data

基于主成分分析与多变量面板数据模型等方法,研究了中国不同省份之间农村金融排斥对城乡收入差距的影响机制与影响效果。研究发现,农村金融排斥对城乡收入差距的影响机制在不同省份之间存在明显差异:在东部省份最显著且程度最高,在中西部并不明显;在经济相对发达的农村地区,加快商业金融发展、促进金融业合理竞争的金融手段更有利于缩小城乡收入差距;在经济欠发达的农村地区,财政支持措施比金融手段更有利于降低城乡收入差距。

By using the methods of principal components analysis and multivariate panel data model, we give a comparative study on the effect mechanism and the results of effect between rural financial exclusion and urban-rural income gap in China＇s various provinces. We conclude that the mechanism is obviously different in different urban-rural areas. The impact on urban-rural income gap from rural financial exclusion is the most significant and at the highest level in the eastern provinces, while it is not obvious in the central and western provinces. The policies to narrow income gap between urban and rural should be adapted to local conditions. Commercial finance and banking support measures should be taken in relatively developed rural areas, while fiscal measures will be better in underdeveloped rural areas.