江苏城乡收入差距对金融发展的影响
城乡收入差距一定程度上会遏制金融的发展, 主要原因是城乡的资金结构不合理和非正规金融的不规范发展,使得金融发展受到限制。现实的出路是缓解城乡二元结构,提供更多的农村正规金融资源;合理引导非正规金融发展,防范金融风险。32380
毕业论文关键词：城乡收入差距 金融发展 金融政策
Effects of Income Gap Between Urban and Rural Areas on the Financial Development in Jiangsu
Abstract: Most studies show that, since the reform and opening up, China overall financial development markedly widened the income gap between urban and rural areas. Jiangsu province with fast financial development also exists such phenomenon. However, the effect of the income gap between urban and rural areas on the financial development is seldom considered. This article focus on the income gap uses the related data of 1978-2013 to analyze the relationship between financial development and income gap between urban and rural areas, and the final results show as follows:
The expansion of income gap between urban and rural areas will contain the development of finance to a certain extent. The main reasons are that the capital structure is not reasonable and both rural and urban informal finance does not develop regularly so that the financial development is limited. The realistic ways to ease the dual structure in urban and rural areas are to provide more rural formal financial resources and regulate the development of informal finance in order to prevent financial risks.
Key Words：income gap between urban and rural areas, financial development, financial policy
目 录
一、绪论 1
（一）研究背景与目的 1
（二）文献综述 2
（三） 城乡收入差距对金融发展的影响路径分析 4
二、江苏城乡收入差距分析 4
（一）城乡收入差距的适度性分析 4
（二）江苏城乡收入差距的现状分析 5
三、江苏金融发展分析 7
（一）江苏金融发展的现状分析 7
（二）江苏金融发展的原因分析 9
四、江苏城乡收入差距对金融发展影响的实证分析 10
（一）江苏城乡收入差距对金融发展影响的实证检验 10
（二）江苏城乡收入差距对金融发展影响的实证检验结果 16
五、本文结论及政策分析 17
（一）本文结论 17
（二）政策分析 20
参考文献...24
一、绪论
（一）研究背景与目的
城乡收入差距过大不仅仅是我国长期存在的一个重大问题，也是江苏在长期发展中要面临的不可忽视的问题。改革开放以后，中国经济总量在城镇居民人均收入快速上升的基础上大幅上涨，而农村居民收入的增长却无法紧跟步伐，因此在整体经济指标不断上涨的大环境之中，城乡收入差距不断扩大的问题逐渐吸引人们的视线。这不仅说明当前我省收入分配不均衡的现状，也给我省经济结构调整与产业结构优化升级带来重重阻碍。收入差距在对储蓄、投资、货币供应量以及利率等中介量的影响下也必然会影响到江苏省金融业发展的前景。因此，针对我省城乡收入差距扩大这一现象制定针对性的改革政策，在保证经济发展稳定在一定水平上的同时积极利用政策及经济工具调整收入分配格局，能够大力促进金融的稳定发展。
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