發(fā)布時(shí)間：2018-06-04 22:45

  本文選題：金融發(fā)展 + 收入分配��； 參考：《湖南大學(xué)》2014年碩士論文

【摘要】：改革開(kāi)放以來(lái)，我國(guó)經(jīng)濟(jì)高速增長(zhǎng)，持續(xù)發(fā)展，國(guó)民生產(chǎn)總值由1978年的3645億元增長(zhǎng)至2012年的51.95萬(wàn)億元。但經(jīng)濟(jì)快速成長(zhǎng)背后，經(jīng)濟(jì)增長(zhǎng)的成果并非均勻、同比例被公民共同享有。根據(jù)國(guó)家統(tǒng)計(jì)局2014年1月20日發(fā)布的數(shù)據(jù)顯示，我國(guó)居民收入基尼系數(shù)為0.473，遠(yuǎn)高于國(guó)際警戒線的數(shù)字，，經(jīng)濟(jì)的增長(zhǎng)并沒(méi)有遵循帕累托改進(jìn)的路徑發(fā)展，這表明我國(guó)在收入分配上存在很大的改進(jìn)余地。 金融發(fā)展作為影響收入分配不平等的重要原因，主要是通過(guò)福利效應(yīng)、門(mén)檻效應(yīng)、非均衡效應(yīng)三個(gè)機(jī)制渠道影響收入分配的差距。三種效應(yīng)在金融發(fā)展的過(guò)程中同時(shí)發(fā)生作用，金融發(fā)展對(duì)收入分配最終的影響結(jié)果取決于此三種效應(yīng)力量的對(duì)比。在不同的經(jīng)濟(jì)特征與金融發(fā)展水平條件下，三種效應(yīng)的大小此消彼長(zhǎng)，共同引致前者對(duì)后者的影響呈現(xiàn)出非線性的關(guān)系。具體關(guān)系上，兩者之間的關(guān)系服從庫(kù)茨涅茲的倒“U”型曲線軌跡。本文具體運(yùn)用Hansen的門(mén)檻回歸模型實(shí)證得出：我國(guó)金融發(fā)展與收入分配之間顯示出“閾值”效應(yīng)，傾向于以金融發(fā)展水平為門(mén)檻劃分區(qū)間的分段函數(shù)關(guān)系。當(dāng)前我國(guó)發(fā)展階段，金融發(fā)展與收入分配差距的關(guān)系呈現(xiàn)倒“U”型曲線左半部特征，金融發(fā)展水平還沒(méi)有達(dá)到高閾值，尚且處于倒“U”型曲線左半部分的上行線上，收入差距在金融發(fā)展水平的影響下將進(jìn)一步擴(kuò)大。基于該分析結(jié)論，文章從調(diào)節(jié)信貸投向與信貸結(jié)構(gòu)、鼓勵(lì)“利貧金融”的創(chuàng)新、健全小微企業(yè)融資、構(gòu)建普惠的金融服務(wù)體系、改善對(duì)貧困群體的服務(wù)歧視的金融生態(tài)五個(gè)角度提出金融發(fā)展改善收入分配差距的政策措施。
[Abstract]:Since the reform and opening up, China's economy has grown at a high speed and sustained development. The gross national product (GNP) has increased from 364.5 billion yuan in 1978 to 51.95 trillion yuan in 2012. But behind the rapid economic growth, the results of economic growth are not uniform, the same proportion is shared by citizens. According to the data released by the National Bureau of Statistics on January 20, 2014, the Gini coefficient of Chinese residents' income is 0.473, which is far higher than the number of international warning lines, and the economic growth has not followed the path of Pareto improvement. This indicates that there is great room for improvement in income distribution in China. Financial development, as an important reason influencing income distribution inequality, mainly affects the income distribution gap through three mechanism channels: welfare effect, threshold effect and non-equilibrium effect. The three effects play an important role in the process of financial development. The final effect of financial development on income distribution depends on the comparison of the three effects. Under the conditions of different economic characteristics and financial development level, the magnitude of the three effects fluctuates one by one, which together leads to the nonlinear relationship between the former and the latter. Specifically, the relationship between the two from Kuznetz's inverted "U" curve trajectory. Based on the threshold regression model of Hansen, this paper draws a conclusion that there is a "threshold" effect between financial development and income distribution in China, which tends to take the level of financial development as the threshold to divide the segmental function of the interval. At present, the relationship between financial development and income distribution gap is characterized by the left half of the inverted "U" curve. The level of financial development has not reached the high threshold yet, and it is still on the upward line of the left half of the inverted "U" curve. Income gap will be further expanded under the influence of financial development level. Based on the conclusion of the analysis, this paper tries to adjust the credit orientation and credit structure, encourage the innovation of "pro-poor finance", perfect the financing of small and micro enterprises, and construct the inclusive financial service system. From the five angles of improving the financial ecology of service discrimination against the poor group, this paper puts forward the policies and measures to improve the income distribution gap in the financial development.
【學(xué)位授予單位】：湖南大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類(lèi)號(hào)】：F832;F124.7

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