摘要: |
金融地域性排斥会扩大收入水平的地理差异,而金融包容通过降低融资门槛、提升金融减贫效应、改善城乡金融资源配置和促进城乡经济包容性增长等路径有利于弥合地域间收入分配不平衡。通过构建包含金融服务渗透性、可得性和使用性的多维度评价指标体系,本文发现,我国当前金融包容度整体偏低,东部高于全国平均水平,但中西部远低于东部。使用控制个体固定效应的面板回归结果显示,金融包容度的提升对我国城乡收入差距有显著弥合作用;其作用大小呈现显著的区域差异性,金融包容度更低的地区,普惠金融政策实施的边际效用更大,金融包容缩小城乡收入差距的程度更大。 |
关键词: 金融包容 城乡收入差距 普惠金融 金融排斥 |
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Financial Inclusion and Income Gap Between Urban and Rural Areas |
Yu Chunmiao
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Abstract: |
Regional exclusion of finance will enlarge the geographical difference of income level, while financial inclusion is conducive to bridging the imbalance of income distribution between regions by lowering the financing threshold, enhancing the effect of financial poverty reduction, improving the allocation of financial resources between urban and rural areas, and promoting inclusive growth of urban and rural economy. Through the construction of a multi-dimensional index evaluation system including the penetration, availability and use of financial services, this paper finds that China"s overall level of financial inclusion is low, the east is higher than the national average, but the central and western regions are much lower than the east. The panel regression results of controlling individual fixed effect show that the improvement of financial inclusion has a significant bridging effect on the income gap between urban and rural areas in China. There are significant regional differences in the effect of financial inclusion. In regions with lower financial inclusion, the marginal utility of the implementation of inclusive financial policies is greater, and the extent of financial inclusion narrowing the income gap between urban and rural areas is greater. |
Key words: Financial inclusion Income gap between urban and rural areas Inclusive finance Financial exclusion |