农村金融发展的收入分配效应

The Income Distribution Effect of Rural Financial Development

改革开放以来,我国的城乡收入差距呈现不断扩大的趋势。随着金融业的迅速发展,农村地区的融资渠道得以拓宽,与此同时,也导致了农村资金的外流,农村金融发展对城乡收入差异的影响成为众所关注的焦点问题。运用结构向量自回归模型(SVAR)对农村金融发展与城乡收入差距之间的关系进行了分析,并得到如下结论:首先,农村金融规模与城乡收入差距正相关,即农村金融的发展导致了城乡收入差距的扩大;其次,农村金融发展效率与城乡收入差距负相关,即农村金融发展效率的提高有利于缩小城乡收入差距;最后,城镇化率与城乡收入差距负相关,即城镇化率的提高,不能改善城乡收入差距较大的局面。

Since the reform and opening up in 1978,the income gap between urban and rural areas is increasing. On the one hand,the development of rural finance widens the financial channels,on the other hand,it leads to the outflow of rural funds. It attracts more and more attention. This paper adopts SVAR model to analyze this problem and finds the following results： firstly,the relationship between the size of rural financial development and the urban-rural income gap is positive,the development of rural finance will widen the gap; secondly,the financial efficiency of rural area is negatively correlated to the urban-rural income gap,the improving of financial efficiency will narrow the gap; thirdly,urbanization rate is negatively correlated to the urban-rural income gap,urbanization cannot reduce the urban-rural income gap.