金融发展对城镇就业的影响——基于中国省际面板数据的实证研究

The Impact of Financial Development on Urban Employment——An Empirical Study on Chinese Provincial Panel Data

城镇就业问题是城镇化能否顺利推进的关键问题。通过理论与实证分析表明,金融发展对城镇就业具有十分显著的影响。金融规模的扩大能直接拉动城镇就业,能促进城镇企业发展间接拉动城镇就业,并能通过教育和培训融资提高劳动力素质解决结构性失业。值得注意的是,实证分析发现,金融系统中存贷款比率上升对城镇就业具有负向的影响,表明金融系统效率提高可能带来的金融风险会对城镇就业产生不利的影响,应加强金融风险的防范和管理。

Urban employment is the key question to the progress of urbanization.Theoretical and empirical analysis shows that financial development has a very significant impact on urban employment.Expanding the scale of the financial town can directly stimulate employment,indirectly create employment by promoting the development of urban enterprises and solve the structural unemployment by providing education and training facilities to improve the quality of labor.It is important to note that the empirical analysis has found that the ratio of loans to deposits in the financial system rise will have negative effect on urbanization,which suggests that the rise of rate of loans to deposit may bring financial risks and would be adverse to the urban employment.We should strengthen the financial risk prevention and management.