城市化、金融发展与城乡金融排除  

Urbanization, Financial Development and Urban-Rural Financial Exclusion

作　　者：刘翠霞 王雪梅 

机构地区：[1]重庆工商大学金融学院,重庆 [2]西南药业股份有限公司,重庆

出　　处：《统计学与应用》2020年第5期917-926,共10页Statistical and Application

摘　　要：文章数理分析了城市化进程、金融发展与城乡金融排除之间的作用机理,并建立面板向量自回归模型(PVAR)进行实证检验,得出数理推导结论与实证数据验证关系统一。即在城市化进程初期,金融发展与城乡金融排除差距之间呈反向变动关系,城市化进程短期内对城市金融排除的影响高于对农村金融排除的影响,与城乡金融排除差距呈反向变动关系。This paper analyzes the mechanism among urbanization, financial development and urban-rural financial exclusion, and makes empirical tests with PVAR model. The conclusions between mathematical derivation and empirical test are unity. That is, in the early process of urbanization, financial development gap between urban-rural financial exclusion in opposite directions, and urbanization between urban-rural financial exclusion in opposite directions, too.

关 键 词：城乡金融排除 城市化 PVAR 

分 类 号：F83[经济管理—金融学]