CAJ | 학술논문

基于山东省1978-2007年的统计数据，对整体金融发展以及农村金融发展水平与城乡收入差距的关系进行了实证研究。结果表明，从长期看，山东省的整体金融发展水平和农村金融发展水平的变动是城乡收入差距变化的原因；从短期看，山东省城乡收入差距与金融发展规模、金融发展效率和农村金融机构信贷比率之间存在双向格兰杰因果关系。为此，应通过降低金融服务门槛，发展小额信贷，促进正规金融和非正规金融的竞争互补，以及防止农村金融资源的进一步流失等措施，引导金融业均衡发展，发挥其在缩小城乡收入差距中的作用。
기우산동성1978-2007년적통계수거，대정체금융발전이급농촌금융발전수평여성향수입차거적관계진행료실증연구。결과표명，종장기간，산동성적정체금융발전수평화농촌금융발전수평적변동시성향수입차거변화적원인；종단기간，산동성성향수입차거여금융발전규모、금융발전효솔화농촌금융궤구신대비솔지간존재쌍향격란걸인과관계。위차，응통과강저금융복무문함，발전소액신대，촉진정규금융화비정규금융적경쟁호보，이급방지농촌금융자원적진일보류실등조시，인도금융업균형발전，발휘기재축소성향수입차거중적작용。
Employing data for Shandong province between 1978 and 2007, we have studied empirically the relationship among overall financial development, rural financial development and urban-rural income disparity. We find that in the long run overall financial development and rural financial development are the causes of the constantly enlarging urban-rural income disparity in Shandong. In the short run, there exists a two-way Granger causality between urban-rural income disparity and financial development scale, financial development efficiency and the credit ratio of rural financial organizations. Consequently, to guide the balanced development of the financial sector and to minimize urban-rural income disparity, measures should be taken to lower the thresholds for financial services, to expand micro-credit, to promote competition and eomplementarities between formal finance and informal finance as well as to prevent further loss of rural financial resources.