本文選題：金融集聚　切入點：城鄉(xiāng)收入差距　出處：《湖南科技大學(xué)》2017年碩士論文　論文類型：學(xué)位論文

【摘要】：金融資源的空間集聚或不均衡分布是否以及如何影響城鄉(xiāng)收入差距,現(xiàn)有理論和實證研究尚未給予充分解答,也沒有形成共識。為此,本文基于金融集聚視角來探究城鄉(xiāng)收入差距的影響機理,嘗試為我國城鄉(xiāng)收入差距的成因增加一個新的理論解釋。此外,在金融集聚影響城鄉(xiāng)收入差距機制解析的基礎(chǔ)上,通過完善我國金融資源空間配置的制度環(huán)境來提升城鄉(xiāng)金融資源配置效率,這對于實現(xiàn)共同富裕并縮小城鄉(xiāng)收入差具有深遠(yuǎn)的現(xiàn)實意義。本文的邏輯思路及結(jié)構(gòu)安排如下:首先對金融集聚、城鄉(xiāng)收入差距的內(nèi)涵及度量方法進(jìn)行簡要闡述,并回顧金融集聚與城鄉(xiāng)收入差距的相關(guān)理論基礎(chǔ);然后,利用區(qū)位熵指數(shù)方法分析我國銀行業(yè)、證券業(yè)和保險業(yè)集聚的現(xiàn)狀特征,運用城鄉(xiāng)收入比并從時空兩個層面剖析我國城鄉(xiāng)收入差距的現(xiàn)狀特征;接著,疏理金融集聚影響城鄉(xiāng)收入差距的直接與間接傳導(dǎo)機制,構(gòu)建兩部門經(jīng)濟模型解析金融集聚對城鄉(xiāng)收入差距的影響機制,并從實證角度檢驗金融集聚對城鄉(xiāng)收入差距的直接和間接效應(yīng)及其空間異質(zhì)性特征;最后,進(jìn)行總結(jié)并提出相應(yīng)的政策建議。本研究的主要結(jié)論為:第一,我國銀行業(yè)、證券業(yè)以及保險業(yè)主要集中在東部地區(qū),中部、西部以及東北地區(qū)的集聚水平低,而且不同類型的金融集聚在區(qū)域內(nèi)表現(xiàn)出差異化的變化趨勢。第二,我國城鄉(xiāng)收入差距在總體上歷經(jīng)了一個先上升后下降的倒“U”型變化趨勢;西部地區(qū)的平均差距高,東部地區(qū)平均差距低,而且西部、中部和東北地區(qū)的城鄉(xiāng)收入差距呈現(xiàn)出下降的趨勢。第三,從全國范圍來看,銀行業(yè)和保險業(yè)集聚顯著降低了城鄉(xiāng)收入差距,而且邊際效應(yīng)會隨地區(qū)經(jīng)濟發(fā)展水平的上升而減弱;在東部地區(qū),銀行業(yè)、證券業(yè)及保險業(yè)集聚擴大了城鄉(xiāng)收入差距,這一正影響會隨地區(qū)經(jīng)濟發(fā)展水平的上升而減弱,中部和東北地區(qū)的金融集聚則表現(xiàn)出與東部地區(qū)相反的影響效應(yīng);在西部地區(qū),銀行業(yè)和證券業(yè)集聚顯著擴大了城鄉(xiāng)收入差距,保險業(yè)集聚卻顯著縮小了城鄉(xiāng)收入差距,而且邊際影響都會隨西部地區(qū)經(jīng)濟發(fā)展水平的上升而減弱。
[Abstract]:Whether and how the spatial agglomeration or uneven distribution of financial resources affects the income gap between urban and rural areas has not been fully answered by existing theoretical and empirical studies, nor has a consensus been reached. Based on the perspective of financial agglomeration, this paper explores the influence mechanism of urban-rural income gap, and tries to add a new theoretical explanation for the causes of urban-rural income gap in China. In addition, on the basis of the analysis of the mechanism of financial agglomeration affecting urban-rural income gap, To improve the efficiency of urban and rural financial resources allocation by perfecting the institutional environment of spatial allocation of financial resources in China. This has far-reaching practical significance for realizing common prosperity and narrowing the income gap between urban and rural areas. The logical thinking and structural arrangement of this paper are as follows: firstly, the paper briefly expounds the financial agglomeration, the connotation and measurement method of urban-rural income gap. It also reviews the relevant theoretical basis of financial agglomeration and urban-rural income gap, and then analyzes the present situation characteristics of banking, securities and insurance industry agglomeration in China by using the method of location entropy index. Using the urban-rural income ratio and analyzing the current characteristics of the urban-rural income gap in China from the two aspects of time and space, then, the direct and indirect transmission mechanism of the financial agglomeration affecting the urban-rural income gap is discussed. Constructing two-sector economic model to analyze the influence mechanism of financial agglomeration on urban-rural income gap, and to test the direct and indirect effects of financial agglomeration on urban-rural income gap and their spatial heterogeneity from an empirical point of view; finally, The main conclusions of this study are as follows: first, the banking, securities and insurance industries in China are mainly concentrated in the eastern, central, western and northeast regions of the low level of concentration. Moreover, different types of financial agglomeration show a trend of differentiation in the region. Second, the income gap between urban and rural areas in China has experienced a trend of inverted "U" change, which rose first and then decreased, and the average gap in the western region is high. The average gap in the eastern region is low, and the urban-rural income gap in the western, central and northeast regions has shown a downward trend. Third, nationwide, the concentration of banking and insurance industries has significantly reduced the urban-rural income gap. Moreover, the marginal effect will weaken with the rising level of regional economic development. In the eastern region, the concentration of banking, securities and insurance industries will widen the urban-rural income gap, and this positive effect will weaken with the rising level of regional economic development. The financial agglomeration in the central and northeast regions has the opposite effect with the eastern region. In the western region, the banking and securities industry agglomeration has significantly enlarged the urban-rural income gap, while the insurance industry agglomeration has significantly narrowed the urban-rural income gap. Moreover, the marginal influence will weaken with the rise of the economic development level in the western region.
【學(xué)位授予單位】：湖南科技大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F124.7;F832

【參考文獻(xiàn)】

相關(guān)期刊論文 前10條

1 黃向榮;謝如鶴;;長江經(jīng)濟帶科技資源集聚與區(qū)域協(xié)同創(chuàng)新研究[J];科學(xué)管理研究;2016年04期

2 李羚;成春林;;金融集聚影響因素的空間計量分析——引入互聯(lián)網(wǎng)因素[J];企業(yè)經(jīng)濟;2016年07期

3 李少星;李蕊;;新世紀(jì)以來我國金融集聚的格局特征與關(guān)聯(lián)演化模式研究[J];東岳論叢;2016年07期

4 馮林;羅懷敬;李文正;亓瑞;;縣域金融集聚影響因素研究——基于空間杜賓模型和山東省縣域數(shù)據(jù)的實證[J];農(nóng)業(yè)技術(shù)經(jīng)濟;2016年06期

5 張浩然;;中國城市金融集聚的演進(jìn)趨勢與影響因素:區(qū)域異質(zhì)性視角[J];廣東財經(jīng)大學(xué)學(xué)報;2016年03期

6 李標(biāo);宋長旭;吳賈;;創(chuàng)新驅(qū)動下金融集聚與區(qū)域經(jīng)濟增長[J];財經(jīng)科學(xué);2016年01期

7 郭露;丁峰;;產(chǎn)業(yè)結(jié)構(gòu)、金融集聚與協(xié)調(diào)發(fā)展:長三角地區(qū)16個地市1994~2013的實證研究[J];經(jīng)濟體制改革;2015年05期

8 夏妍;潘瀘丹;王丹;;關(guān)于金融產(chǎn)業(yè)集聚及其對區(qū)域經(jīng)濟增長影響的實證分析[J];現(xiàn)代經(jīng)濟信息;2015年16期

9 方創(chuàng)琳;;中國城市群研究重要進(jìn)展和未來發(fā)展方向（英文）[J];Journal of Geographical Sciences;2015年08期

10 鄭開焰;李輝文;;福建省金融集聚效應(yīng)與產(chǎn)業(yè)結(jié)構(gòu)升級[J];福建論壇(人文社會科學(xué)版);2015年08期

，

本文編號：1626130