普惠金融发展、城镇化与城乡收入差距——基于广东省面板数据的实证分析

The Research on Financial Inclusion Development,Urbanization and Urban-Rural Income Gap:An Empirical Study Based on Guangdong Province

本文在构建普惠金融发展指数的基础上,运用聚类分析和面板数据模型实证研究普惠金融发展、城镇化对城乡收入差距的影响。结果发现:普惠金融发展有助于缩小城乡收入差距,而城镇化却扩大城乡收入差距;此外,城镇化水平越高,普惠金融发展对缩小城乡收入差距的有效性越低,而城镇化扩大城乡收入差距的负效应也越小。本文提出提高农村金融覆盖面以及严格执行"以人为本"的新型城镇化发展战略以缩小城乡收入差距的政策建议。

This article takes the prefecture-level cities in Guangdong province as a example to construct the Index of Financial Inclusion, then uses Panel Data Model to analyze the effect of financial inclusion development, urbanization on urban-rural income gap.The result shows that financial inclusion development narrows the urban-rural income gap while urbanization expanding the urban-rural income gap. The result also shows that the higher level of urbanization, financial inclusion development narrows urban-rural income gap is less efficiency while urbanization expands the urban-rural income gap is less seriousness. Finally, this paper proposes the suggestions including increasing rural finance coverage and executing the new urbanization development strategy.