CAJ | 학술논문

利用2005-2011年中国省际面板数据和动态面板广义矩估计方法，实证研究了民间金融发展对城乡收入差距的影响及其机制。结果表明，民间金融发展能够显著地缩小我国城乡居民收入差距，而正规金融发展对城乡收入差距的影响并不显著；进一步研究其具体作用机制，发现民间金融对于城乡居民收入增加均有显著的促进作用，但较之于城镇居民，民间金融发展对于农村居民收入增长的推动作用更大，因而有助于缩小城乡居民收入差距。最后在总结研究结论的基础上给出相应的政策启示。
이용2005-2011년중국성제면판수거화동태면판엄의구고계방법，실증연구료민간금융발전대성향수입차거적영향급기궤제。결과표명，민간금융발전능구현저지축소아국성향거민수입차거，이정규금융발전대성향수입차거적영향병불현저；진일보연구기구체작용궤제，발현민간금융대우성향거민수입증가균유현저적촉진작용，단교지우성진거민，민간금융발전대우농촌거민수입증장적추동작용경대，인이유조우축소성향거민수입차거。최후재총결연구결론적기출상급출상응적정책계시。
Based on China＇ s provincial panel data from 2005- 2011 and generalized method of moments for dynamic panel data, the author empirically studies how the development of informal finance influences urban rural income gap and its exact mechanism. The results indicate that the development of informal finance has significant effects on narrowing the urban-rural gap, but the effects of the development of formal finance are insignificant. Further examining the exact mechanism, the author found that informal finance increased the income of the urban residents and the rural residents significantly. But compared to urban residents, the promoting effects on income growth of rural residents are larger and thus the urban rural gap has been narrowed. Finally the corresponding policy implications are proposed based on the summary of research conclusions.