金融集聚对城乡居民收入差距的影响——基于空间面板数据的实证分析  

The Effects of the Financial Agglomeration on the Income Gap between Urban and Rural Residents——An Empirical Analysis Based on the Spatial Panel Data

作　　者：徐敏[1] 张小林[1] 田家乐[2] 

机构地区：[1]石河子大学商学院,新疆五家渠831300 [2]西南大学资源环境学院,重庆400715

出　　处：《西部金融》2015年第8期4-11,共8页West China Finance

基　　金：新疆生产建设兵团社科基金项目"兵团新型金融组织创建与发展研究"(批准号:11BTYB07);石河子大学高层次人才项目"基于普惠制的新疆农村金融体系建设研究"(批准号:RCSX201109)部分成果

摘　　要：文章利用区位熵测算金融集聚水平,泰尔指数测算城乡居民收入差距,再运用空间统计分析检验中国31个省、市2006-2012年金融集聚与城乡居民收入差距空间相关性的基础上,运用空间误差模型检验金融集聚对城乡居民收入差距的影响。实证结果表明,城乡居民收入差距与金融集聚均存在空间相关性,金融的空间集聚性存在差异,城乡居民收入差距的集聚引起金融集聚;金融集聚程度高的省域集中在渤海经济圈和长三角经济圈,城乡居民收入差距程度高的省域集中在西部省份;金融集聚拉大了城乡居民收入差距,但银行业集聚对城乡居民收入差距的影响明显大于证券业集聚和保险业集聚。The paper uses the location entropy to measure the financial agglomeration level, uses Tal index to measure the urban and rural residents＇ income gap, and then applies the spatial statistical analysis to test the spatial correlation between the financial ag- glomeration and the urban and rural residents income gap of China＇ s 31 provinces and cities from 2006 to 2012. And on the basis of above analysis, the paper uses the spatial error model to test the effects of the financial agglomeration on the urban and rural resi- dents＇ income gap. The empirical results are as follows. There exists the spatial correlation between the urban and rural residents＇ in- come gap and the financial agglomeration, there exists the difference in the financial spatial agglomeration, and the urban and rural residents＇ income gap brings the financial agglomeration. The provinces with high-level financial agglomeration centralize the Bohai economic circle and the Yangtze river delta economic circle, while the provinces with high-degree urban and rural residents＇ income gap focus on the western areas. The financial agglomeration widens the income gap between urban and rural residents, but the effects of the banking industry agglomeration on the urban and rural residents＇ income gap are bigger than that of the security industry ag- glomeration and the insurance industry agglomeration.

关 键 词：金融集聚 城乡居民收入差距 区位熵 空间统计分析 空间误差模型 

分 类 号：F830.31[经济管理—金融学]