金融资源差异配置对城乡居民可支配收入影响分析——基于内蒙古金融发展与收入增长实证分析

An Analysis of Impact of Differential Allocation of Financial Resources on Disposable Income of Urban and Rural Residents——A Empirical Analysis of Financial Development and Income Growth in Inner Mongolia

金融对于一个地区的经济发展有至关重要的作用,其主要体现在通过信贷资金的支持及城乡储蓄存款的增减之上。改革开放之后,内蒙古的经济快速增长,人均可支配收入不断提高,人均GDP及城乡居民储蓄存款余额有明显的提升。因此本文利用内蒙古城镇居民人均可支配收入与农村牧区人均可支配收入之差、人均GDP、金融机构人民币贷款余额及城乡储蓄存款余额作为回归变量,建立回归模型,通过kmo和巴特利(bartlett)检验法,检验其相关性及独立性,并计算出总方差解来实证分析城乡居民收入差距与金融机构信贷、储蓄存款及其他控制变量之间的关系,最终,总结相关结论并提出一些政策建议。

Finance plays a vital role in the economic development of a region, which is mainly reflected in the support of credit funds and the increase or decrease of savings deposits in urban and rural areas. After the reform and opening up, Inner Mongolia’s economy grew rapidly, per capita disposable income increased continuously, per capita GDP and savings deposit balance of urban and rural residents increased significantly. Therefore, taking the gap between the per capita disposable income of urban residents and the per capita disposable income of rural pastoral areas in Inner Mongolia, per capita GDP, RMB loan balance of financial institutions and the balance of savings deposits in urban and rural areas as regression variables, the author establishes a regression model. Through kmo and Bartlett test, the author examines their correlation and independence, and calculates the total variance to empirically analyze the relationship between income gap between urban rural residents and financial institution credit, savings deposit as well as other control variable.