金融发展与城乡居民收入差距关系探讨——以中国西部12省区为例

Research on the Relationship Between Financial Development and Urban-Rural Income Gap:Taking the Western Region of 12 Provinces as an Example

文章基于2002—2011年中国西部12个省份金融市场(金融中介和保险市场)发展状况面板数据,建立回归模型,利用pooled LS回归和基于贝叶斯线性回归理论的MCMC算法,对西部地区金融发展与城乡居民收入差距之间的关系进行实证分析。研究结果表明:金融中介发展拉大了西部地区城乡居民收入差距,而保险市场发展则对西部地区城乡居民收入差距的扩大有抑制作用。并在文章的最后对出现这些情况的原因以及政策建议进行了阐述。

Based on the provincial panel data about the financial market （financial intermediaries and insur-ance market） in the western region of China from 2002 to 2011 ,this paper establishes a regression model and uses pooled-LS analyses and MCMC algorithm which based on Bayesian linear regression theory to em-pirical analysis the financial development in the western region of China upon the urban-rural income gap . The result shows that the development of financial intermediation widens the income gap of urban-rural ;however ,the development of insurance market has an opposite impact on the urban-rural income gap .At last ,this paper explains the reasons behind this and some suggestions are given here .