普惠金融发展对南疆城乡收入差距的门槛效应研究

Threshold Effect of Inclusive Financial Development on Urban-Rural Income Gap in Southern Xinjiang

基于普惠金融在南疆的发展程度,使用2008-2017年面板数据测算出南疆普惠金融发展指数,并通过测算泰尔指数反映出南疆各地州的城乡差距,最后建立门槛面板效应模型实证分析两者之间的关系,得出结论普惠金融对南疆城乡收入差距带来的影响表现出很明显的非线性关系,在不同时期的经济水平下,他们之间的关系表现出倒"U"型,即城乡收入差距受普惠金融的影响表现出先显著扩大,再缓慢扩大,最后明显缩小的关系.为了促使普惠金融在南疆得到更好的推广,基于金融环境和金融机构等方面,提出合理的建议,助力降低普惠金融在南疆地区的门槛,达到缩小城乡收入差距的目的.

Based on the development of Inclusive Finance in Southern Xinjiang,this paper calculates the development index of Inclusive Finance by panel data from 2008 to 2017.Then,the gap between urban and rural areas in southern Xinjiang is reflected by measuring the Theil index.Finally,the paper establishes a threshold panel effect model to empirically analyze the relationship between Inclusive Finance and income gap.And it is concluded that the impact of Inclusive Finance on the income gap between urban and rural areas in Southern Xinjiang shows a very obvious non-linear relationship.At different economic levels in different periods,the relationship between them shows an inverted"U"type,that is,the urban-rural income gap,firstly significantly expands,then slowly expands,and finally significantly narrows.Based on the financial environment and financial institutions,the paper puts forward reasonable suggestions to promote the promotion of Inclusive Finance in southern Xinjiang.And the paper helps to reduce the threshold of Inclusive Finance in southern Xinjiang,so as to narrow the income gap between urban and rural areas.