存贷利差与基尼系数之间的非线性关系研究

Nonlinear Relationship between Interest Rate Spreads and Gini Coefficient

实证研究表明,存贷利差与基尼系数之间的关系并非简单的正相关或者负相关,而是在不同的发展阶段呈现动态变化。在20世纪八九十年代,存贷利差与基尼系数之间是正相关的。进入21世纪,存贷利差与基尼系数之间变成负相关关系。在新的发展阶段,继续扩展居民的投融资渠道,同时适当提高存贷利差,将有助于降低基尼系数。

Emprical analysis shows that the dynamic changing relationship between interest rate spreads and Gini coefficient is neither positive nor negative. During 1980s and 1990s, it was positive relationship between interest rate spreads and Gini coefficient. After 21 century, it became negative relationship between the two. Therefore, it is necessary for lowing Gini coefficient to expand investment channels and raise interest rate spread in new phase.