金融发展对城乡收入差距的影响
建立模型如下：㏑Y=C+α1X+α2Z+α3L+α4K+β，查找我国城镇与农村1990-2008年的相关数据进行回归分析并得出结论，在现阶段中国经济发展形势下，金融发展会导致城乡收入差距扩大，并且在可以预见，如果金融制度及政策在不发生大的改变的情况下，这种差距还会被继续扩大。在文章最后提出了四点意见，助于改善我国城乡收入差距。25435
关键词： 金融发展 城乡收入差距 因果关系
毕业论文外文摘要
Title The impact of financial development on the income gap between urban and rural areas
Abstract
Since the reform and opening up, China's economy continues to maintain high speed and healthy growth, with the economic growth, the gap between urban and rural income has become a serious problem in China's society today. On the one hand, the income of urban residents and rural residents are steadily on the rise; but on the other hand, we have to note that the growth of unequal between urban and rural people, it seems that urban residents' income growth rate is much higher than that of the rural residents' income growth rate, which bring about a series of financial and social problems. This paper lists three theories that affect the urban-rural income gap: the Kuznets effect, the harmful hypothesis of financial development,the beneficial hypothesis of financial development. Through the establishment of the model, the scale of financial development ,the efficiency of financial development,the scale of fixed asset investment as the model variables is studied.
Model are as follows: ㏑Y=C+α1X+α2Z+α3L+α4K+β . Find the relevant data of the urban and rural 1990-2008 years of the regression analysis and draw the conclusion
, under the present situation of China's economic development and financial development will lead to a widening income gap between urban and rural areas, and in the foreseeable, if the financial system and policy in no big change, this gap will be continuing to expand. In the end, four points are put forward to solve the problem of increasing income gap between urban and rural areas of China.
Keywords: Financial Development Urban-rural Income Gap Causality
目 录
1 绪论1
1.1研究背景及意义1
1.2国内外的相关研究1
2 金融发展对城乡收入差距影响的相关金融理论4
2.1金融发展缩小城乡收入差距4
2.2金融发展扩大城乡收入差距4
2.3倒“U”型理论5
3我国金融发展与城乡收入差距的现状分析6
3.1我国金融发展现状6
3.2我国城乡收入差距情况分析6
3.3金融发展对城乡收入差距影响和作用机制7
4实证研究9
4.1样本选取9
4.2模型建立与说明20
4.3实证研究及结果20
5结论与相关建议22
5.1结论22
5.2相关建议22
6 致谢24
7 参考文献25
1 绪论
1.1研究背景及意义
自改革开放以来，中国经济一直处于高速增长状态，国内生产总值以年均8%-9%的高速持续增长。在金融发展方面，虽然银行业的整体局面尚未改变，但货币资产和银行资产比，总体上呈现下降的趋势，其他金融资产迅速成长，所占比重不断上升，与经济总量的相关程度也一并提高。伴随经济的发展，中国居民的收入不断增加，但是不可否认的是城乡居民收入的差距也在不断的扩大。城乡居民收入差距的变大无疑会为社会带来一些不稳定因素，不利于社会的和谐稳定发展。缩小收入差距，达到共同富裕是现今中国社会发展的主要目标，也是贯彻中央提出的构建和谐社会的一个重要任务。金融作为经济的核心，金融市场的发展通过影响经济增长从而进一步影响居民收入的增长，但这种增长对于城镇居民和农村居民却不一定是对等的。本文论点是以金融发展影响收入增长为出发点，结合城镇居民家庭人均可支配收入和农村居民家庭人均可支配收入，对比二者的增长数据，从而针对性研究金融发展对城乡居民收入差距的影响。