金融包容、创业选择及收入公平分配研究  

Financial Inclusion,Entrepreneurial Choice and Fairness of Income Distribution

作　　者：范香梅 刘斌 邹克 FAN Xiang-mei;LIU Bin;ZOU Ke(Key Laboratory of Technology and Finance in Guangdong University of Finance,Gnangzhou 510521,China;The Business School of Hunan Normal University,Changsha 410081,China)

机构地区：[1]广东金融学院科技金融重点实验室,广东广州510521 [2]湖南师范大学商学院,湖南长沙410081

出　　处：《中国软科学》2018年第9期64-75,共12页China Soft Science

基　　金：国家社科基金项目(13BJL069);广东省产业技术创新与科技金融结合项目(2017B080802004);广东省科技金融重点研究基地项目(2014B030303005);广东省科技金融与大数据分析重点实验室项目(2017B030301010)

摘　　要：从企业家才能和创业选择视角,分析金融包容影响收入分配的微观机制,认为金融包容扩展了客户群体的服务边界,有助于提高低收入者的信贷准入机会,缩小收入分配差距;基于2005-2015年省级面板数据的实证研究发现:金融包容、财富水平能够提高一地区的创业水平,缩小收入分配,但由于金融包容倾向于支持财富水平较高的群体创业,不利于收入公平分配。要形成金融包容与收入分配的良性互动,应重点解决金融包容的结构性问题,加大对低收入、低财富群体创业的金融支持。The paper analyzes the microscopic mechanism of financial inclusion to income distribution from the perspective of entrepreneurship talent and choice. We find that financial inclusion expand the service boundary of customer, increas credit access of the poor with entrepreneurs, and narrow the income distribution gap. Based on the provincial panel data during 2005 to 2015, the paper finds that financial inclusion and initial wealth carl increase the entrepreneurship level of this area, reduce the income gap between urban and rural areas and the Gene coefficient. But financial inclusion tends to support higher levels of wealth groups, unfavorable to the equitable distribution of income. We suggest that the policy should focus on solving the structural problem of financial inclusion, and increase financial support for low-income and low wealth groups with entrepreneurship talent.

关 键 词：金融包容 创业选择 收入分配效应 

分 类 号：F832.46[经济管理—金融学]