| 金融集聚对城乡收入差距的影响 |
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| 引用本文： | 刘贝玙,周云波. 金融集聚对城乡收入差距的影响[J]. 西部经济管理论坛, 2023, 34(2): 64-77. DOI: 10.12181/jjgl.2023.02.06 |
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| 作者姓名： | 刘贝玙 周云波 |
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| 作者单位： | 1.银川能源学院商学院 宁夏银川 750100 |
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| 基金项目： | 国家社会科学基金重大项目“基于多维视角的2020年以后我国相对贫困问题研究”（19ZDA052）；;国家自然科学基金面上项目“我国城乡居民多维贫困的测量及精准扶贫绩效的评估”（71874089）； |
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| 摘 要： | 作为现代经济的核心，金融在促进经济发展和调节收入分配方面发挥着重要作用。文章基于城乡二元视角，选取我国2010—2020年的省级面板数据，采用区位熵测算三大金融行业即银行业、证券业和保险业的集聚水平，进而运用空间杜宾模型分析金融集聚对收入差距的影响。研究发现，我国金融集聚水平和城乡收入差距之间存在倒“U”型关系；金融集聚具有较强的空间溢出效应；不同金融行业的集聚水平对城乡居民收入差距的影响存在显著差异，其中银行业的集聚能缩小城乡收入差距，保险业的集聚则扩大了城乡收入差距；不同区域金融集聚的空间溢出效应存在异质性，其中东北地区的溢出效应最为显著。最后，为缩小城乡居民收入差距，文章提出推进金融制度改革、充分利用空间溢出效应打造经济增长极、制定差异化金融政策等建议。
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| 关 键 词： | 金融集聚 城乡收入差距 城乡二元结构 空间溢出效应 |
| 收稿时间： | 2022-10-20 |
The Impact of Financial Agglomeration on the Urban-rural Income Gap |
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| Liu Beiyu,Zhou Yunbo. The Impact of Financial Agglomeration on the Urban-rural Income Gap[J]. , 2023, 34(2): 64-77. DOI: 10.12181/jjgl.2023.02.06 |
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| Authors: | Liu Beiyu Zhou Yunbo |
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| Affiliation: | 1.College of Business, Yinchuan University of Energy, Yinchuan, Ningxia 750100, China |
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| Abstract: | As the foundation of a modern economy, finance plays an important role in promoting economic development and regulating income distribution. This paper takes the provincial panel data of China from 2010 to 2020 and uses location entropy to measure the agglomeration levels of three major financial industries, including banking, insurance and securities, and then uses the spatial Durbin model to analyze the impact of financial agglomeration on income gap based on the urban-rural dual structure perspective. Findings show that (1) there is an inverted U-type relationship between financial agglomeration level and urban-rural income gap in China; (2) The financial agglomeration has strong spatial spillover effect; (3) There are significant differences in the effects of the agglomeration level of different financial industries on the income gap between urban and rural residents, among which the agglomeration of banking industry can narrow the income gap between urban and rural areas, while the agglomeration of insurance industry widens the income gap between urban and rural areas; (4) There is heterogeneity in the spatial spillover effect of financial agglomeration in different regions, among which the spillover effect is most obvious in northeast China. To narrow the income gap between urban and rural residents, the paper proposes to promote the reform of financial system, and make full use of spatial spillover effect to build economic growth poles, and formulate differentiated financial policies. |
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