农村正规金融和非正规金融发展的农村居民收入效应研究  

The Study on the Effect of Formal and Informal Rural Finance on the Income of Rural Residents—A Spatial Econometric Analysis Based on the Panel Data of 30 Provinces

作　　者：胡宗义[1] 刘灿[1] 刘亦文[1] 

机构地区：[1]湖南大学金融与统计学院,中国湖南长沙410079

出　　处：《经济地理》2014年第12期147-152,共6页Economic Geography

基　　金：国家社会科学基金重点项目(12AJL007);湖南省自然科学基金项目(11JJ5049;12JJ5038);湖南省博士后科研资助专项计划(2014RS4015);第55批中国博士后科学基金面上资助项目(2014M552128)

摘　　要：基于2003—2010年的省际面板数据,研究了农村正规金融和非正规金融的农村居民收入效应,同时采用面板数据分位数回归方法,分析了不同收入水平下该效应的差异。研究发现:我国农村居民收入存在空间极化现象,空间溢出效应明显;农村正规金融对农村居民增收的促进作用不显著;农村非正规金融对农村居民增收的促进作用非常显著,但是随着农村居民收入水平的提高,促进作用逐渐减弱,进而说明农村非正规金融在缩小农村贫富差距上发挥了积极的作用。Using the data of 30 provinces in China from 2003 to 2010,this paper explores the effect of formal and informal rural finance on the income of rural residents,and analyzes the difference of the effects in different income level by applying panel quantile regression.The results shows that there is a spatial polarization in rural residents＇ income and the spatial spillover effect is obvious.Rural informal finance promotes the growth of farmers＇ income significantly while the rural formal finance does not.The promoting effect gets weaker as the rural residents＇ income increases, which indicates that rural informal finance contributes to narrowing the gap between rich and poor.

关 键 词：农村正规金融 农村非正规金融 农村居民收入 空间计量模型 

分 类 号：F830.6[经济管理—金融学]