中国互联网金融与城乡收入差距的灰色关联分析

Gray Correlation Analysis of Income Gap Between China's Internet Finance and Urban and Rural Areas

基于灰色关联分析方法,分析了2007年到2015年我国互联网金融发展和城乡收入差距之间的关联度。分析结果表明,我国互联网金融的各项指标和城乡居民收入差距之间均有较高的关联度,其中金融业IT投资规模与城乡居民收入差距的关联度最高,P2P贷款交易规模与城乡居民收入差距的关联度最低。由此可以判断互联网金融的发展和我国城乡收入差距具有一定的关联性,其原因在于互联网金融资源在城乡分布上存在不均衡,且互联网金融吸收来的资金在投资上也不均衡。

With gray correlation analysis method, this paper analyzed the income gap between China＇s Internet finance and urban -rural areas. The results show that the income gap between China＇s Internet financial indicators and the urban and rural residents have a high correlation degree, IT investment in the financial sector is the highest of correlation between urban and rural residents, Among them, the IT investment in the financial industry and the income gap between urban and rural residents are the highest, the correlation of P2P loan transaction between urban and rural residents is the lowest. Internet financial development and the income gap is of certain relevance. The reason is that the Internet financial resources in urban and rural areas are not balanced distributed and the Intemet banking to absorb the funds is not balanced.