CAJ | 학술논문

本文基于2006—2011年全国省级面板数据，从理论与实证角度分析了金融资源分配的不公平如何导致收入分配的不公平。通过广义矩估计（GMM）模型估计发现，农村金融排斥显著影响城乡收入差距。其中，条件排斥、地理及营销排斥显著扩大城乡收入差距，价格排斥却能在一定程度上缩小城乡收入差距。回归方程分解分析结果表明，这四大排斥平均解释度分别为10．75％，1．00％和14．35％，农村金融排斥共解释城乡收入差距的26．1％。此外，非农业就业比例的提高与城镇化的有效推进对缩小城乡收入差距也有重要影响。因此，金融资源配置的“效率”与“公平”并重、提高农民家庭生产性固定资产的积累和增加农村金融服务宽度对于缩小城乡收入差距具有重大意义。
본문기우2006—2011년전국성급면판수거，종이론여실증각도분석료금융자원분배적불공평여하도치수입분배적불공평。통과엄의구고계（GMM）모형고계발현，농촌금융배척현저영향성향수입차거。기중，조건배척、지리급영소배척현저확대성향수입차거，개격배척각능재일정정도상축소성향수입차거。회귀방정분해분석결과표명，저사대배척평균해석도분별위10．75％，1．00％화14．35％，농촌금융배척공해석성향수입차거적26．1％。차외，비농업취업비례적제고여성진화적유효추진대축소성향수입차거야유중요영향。인차，금융자원배치적“효솔”여“공평”병중、제고농민가정생산성고정자산적적루화증가농촌금융복무관도대우축소성향수입차거구유중대의의。
Based on the 2006--2011 National Provincial Panel Data, We make both theoretical and em- pirical analyses on the channel through which unfair allocation of financial resources leads to unfair distri- bution of income. We find that financial exclusion influence the urban-rural income gap significantly through GMM model estimating~ Among that, Condition exclusion, geography and marketing exclusion significantly expand urban-rural income gap~ while price exclusion could narrow the urban-rural income gap to a certain extent. The regression analysis shows that each degree of interpretation reached 10. 75 %, 1.00% and 14. 350//00, the total interpretation of financial exclusion reaches 26.1~. In addition, a higher proportion of non-agricultural employment and the effective progress of urbanization have varying degrees of impact on urban-rural income gap. Therefore, ＂efficiently＂ and ＂fairly＂ allocation of financial re- sources and try to improve farmers＇ family accumulation of fixed assets for production and increasing the width of rural financial services is of great significance for narrowing the urban-rural income gap.