金融包容水平与地区收入差距——基于湖南省87个县(市)2008-2012年的经验数据

Financial Inclusion and Regional Income Gap: Based on Empirical Data of 87 Counties in Hunan Province during 2008-2012

基于2008-2012年湖南省87个县(市)的数据,利用空间计量模型研究了县域地理单元的金融包容水平对县域人均收入的影响,结果表明提升县域地理单元的金融包容水平有助于提高县域地理单元的人均收入。金融包容水平的提高既可以直接提升收入水平,也可以通过提升经济发展水平间接促进收入水平的提高。国际经验表明,提升金融包容水平有利于经济发展和缩小地区之间的收入差距。结合面板分位数模型量化了金融包容水平与"相对收入差"之间的关系,结果表明提升金融包容水平有利于缩小"相对收入差",对于低收入县域地理单元的作用更为明显。因此,提升县域地理单元的金融包容水平,尤其是提升低收入水平的县域地理单元的金融包容水平,对于增加居民收入、缩小地理单元之间的收入差距具有重要意义。

Based on the date of 87 counties in Hunan Province during 2008-2012, this paper constructs a spatial econometric model to study the influence of the level of financial inclusion in geographic units at county scale on the per capita income at county scale. The result indicates that to improve the level of financial inclusion in geographic units at county scale can help to improve the per capita income in the geographic units at county scale. To improve the level of financial inclusion can both directly improve the income level and indirectly improve the income level through improving the level of economic development. The international experiences show that to improve the level of financial inclusion is in favour of the economic development and narrowing the income gap between regions. With a panel quantile model, this study quantifies the relationship between financial inclusion level and the ＂relative income difference＂ . The results show that to improve the level of financial inclusion can help to narrow the ＂relative income difference＂ , the effect is more obvious for the geographic units of lower income counties. Hence, to improve the level of financial inclusion in geographic units at county scale, especially for the lower income counties, is of great importance in increasing the resident income and narrowing the income gap between geographic units.