中国金融包容性发展与城乡居民收入增长
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摘要
首先从金融服务可获得性、使用效用性、可持续性和创新性4个维度设计了金融包容性发展的评价指标体系,并计算和比较了2005-2015年中国31个省市的金融包容性发展综合指数及其区域差异,在此基础上实证研究了金融包容性发展对城乡居民收入增长及城乡收入差距的影响效应。研究结果表明:中国金融包容性发展水平整体偏低,且呈现出"先升后降"的变化趋势,金融服务可获得性对综合指数的贡献最大;中国金融包容性发展存在巨大的区域间差异和区域内差异,东部地区明显高于中西部地区,同一区域内金融包容性发展综合指数处于中间水平的省份变动相对较大;金融包容性发展有助于促进城乡居民收入增长和缩小城乡居民收入差距。
This paper builds a financial inclusive development evaluation system from four dimensions,i.e.financial service availability,effectiveness,sustainability and innovation,and calculates the financial inclusive development comprehensive index of 31 provinces and its regional difference in China from 2005 to 2015.Then we empirically studied the relationship between financial inclusive development and income growth and gap of urban & rural residents.The results indicate that the financial inclusive development is very low as a whole in China,which increased first and then decreased in the sample period,and the contribution of financial service availability to comprehensive index is the biggest.The financial inclusive development shows significant differences between and within regions.Eastern provinces are superior to other regions,and the provinces in the middle level in one same region fluctuate acutely.Financial inclusive development can contribute to promote the income of urban and rural residents and minimize the income gap.
This paper builds a financial inclusive development evaluation system from four dimensions,i.e.financial service availability,effectiveness,sustainability and innovation,and calculates the financial inclusive development comprehensive index of 31 provinces and its regional difference in China from 2005 to 2015.Then we empirically studied the relationship between financial inclusive development and income growth and gap of urban & rural residents.The results indicate that the financial inclusive development is very low as a whole in China,which increased first and then decreased in the sample period,and the contribution of financial service availability to comprehensive index is the biggest.The financial inclusive development shows significant differences between and within regions.Eastern provinces are superior to other regions,and the provinces in the middle level in one same region fluctuate acutely.Financial inclusive development can contribute to promote the income of urban and rural residents and minimize the income gap.
引文
[1]陈三毛,钱晓萍.中国各省金融包容性指数及其测算[J].金融论坛,2014(9):3-8.
[2]王修华,何梦,关键.金融包容理论与实践研究进展[J].经济学动态,2014(11):115-129.
[3]Cnaan R A,Moodithaya M,Handy F.Financial Inclusion:Lessons from Rural South India[J].Journal of Social Policy,2012,41(1):183-205.
[4]Chakravarty S R,Pal R.Financial Inclusion in Indian:An Axiomatic Approach[J].Journal of Policy Modang,2013,35(5):813-837.
[5]Swamy V.Financial Inclusion[R].International Bank for Reconstruction and Development.Washington:World Bank,2014.
[6]周小川.践行党的群众路线推进包容性金融发展[J].求是,2013(18):11-14.
[7]Sarma M.Index of Financial Inclusion[R].Social Sciences Working Paper,2008,No.1575.
[8]Serma M.Index of Financial Inclusion[R].Working Paper.New Delhi:Indian Council for Research on International Economic Relations,2010.
[9]Sarma M.Measuring Financial Inclusion for Asian Economies.Part 1in:Gopalan S,Kikuchi T.Financial Inclusion in Asia[M].Palgrave Macmillan UK,2016:3-34.
[10]Gwalani H,Parkhi S.Financial Inclusion-Building a Success Model in the Indian Context[J].Procedia-Social and Behavioral Sciences,2014,133:372
[11]Sinha R P.Index of Financial Inclusion:Some Empirical Results.Chapter 28in:Ghosh A N,Karmaker A K.Analytical Issues in Trade,Development and Finance[M].Springer India,2014:467-478.
[12]王婧,胡国辉.这个普惠金融的发展评价及影响因素分析[J].金融论坛,2013(6):31-36.
[13]崔艳娟,刘旸.我国包容性金融发展水平评价研究[J].大连理工大学学报(社会科学版),2017,38(2):66-70.
[14]范香梅,张晓云,辛兵海.中国金融包容性发展与收入公平分配的因果关系研究[J].当代经济研究,2015(9):60-68.
[15]张彤进.包容性金融发展的城乡收入分配效应研究[J].山西财经大学学报,2016,38(6):28-40.
[16]任碧云,张彤进.包容性金融发展与个人职业选择及收入变动:理论与经验研究[J].金融经济学研究,2015(5):16-28.
[17]Beck T,Demirguc-Kunt A,Peria M S M.Reaching Out:Access to and Use of Banking Services across Countries[J].Journal of Financial Economics,2007,85(1):234-266.
[18]Park C,Mercado J R V.Financial Inclusion,Poverty,and Income Inequality in Developing Asia[R].Working Paper.Philippines:Asian Development Bank,2015,No.426.
[19]Gupte R,Venkatarmani B,Gupta D.Computation of Financial Inclusion Index for India[J].Social and Behavioral Sciences,2012,37(1):133-149.
[20]Fungacova Z,Weill L.Understanding Financial Inclusion in China[J].China Economic Review,2015,34:196-206.
[21]Ambarkhane D,Singh A S,Venkataramani B.Developing a Comprehensive Financial Inclusion Index[J].SSRN Electronic Journal,2016,41(3):216-235.
[22]Amidzic G,Massara A,Mialou A.Assessing Countries’Financial Inclusion Standing:A New Composite Index[R].IMF Working Paper WP-2014-36.International Money Fund,2014.
[23]Rahman Z,Coelho F.Financial Inclusion Indicators:Quality Dimension[R].The 2013AFI Global Policy Forum,2013.
[24]焦瑾璞,等.中国普惠金融发展进程及实证研究[R].北京:中国人民银行,2015.
[25]李建军,卢盼盼.中国居民金融服务包容性测度与空间差异[J].经济地理,2016,36(3):118-124.
[26]谢家智,王文涛,李尚真.包容性金融发展的产业结构升级效应[J].当代经济研究,2017(3):74-83.
[27]中国人民银行西宁中心支行课题组.区域包容性金融发展评价指标体系研究[J].青海金融,2015(2):11-16.
[28]何海鹰,赵俐佳.中国农村金融包容性评价体系研究[J].海南金融,2015(3):76-78.
[29]王修华,陈茜茜.农户金融包容性测度及其影响因素实证分析[J].农业技术经济,2016(1):108-117.
[30]张林,张维康.金融服务实体经济增长的效率及影响因素研究[J].宏观质量研究,2017,5(1):47-60.
[31]张林.中国双向FDI、金融发展与产业结构优化[J].世界经济研究,2016(10):111-124.
[2]王修华,何梦,关键.金融包容理论与实践研究进展[J].经济学动态,2014(11):115-129.
[3]Cnaan R A,Moodithaya M,Handy F.Financial Inclusion:Lessons from Rural South India[J].Journal of Social Policy,2012,41(1):183-205.
[4]Chakravarty S R,Pal R.Financial Inclusion in Indian:An Axiomatic Approach[J].Journal of Policy Modang,2013,35(5):813-837.
[5]Swamy V.Financial Inclusion[R].International Bank for Reconstruction and Development.Washington:World Bank,2014.
[6]周小川.践行党的群众路线推进包容性金融发展[J].求是,2013(18):11-14.
[7]Sarma M.Index of Financial Inclusion[R].Social Sciences Working Paper,2008,No.1575.
[8]Serma M.Index of Financial Inclusion[R].Working Paper.New Delhi:Indian Council for Research on International Economic Relations,2010.
[9]Sarma M.Measuring Financial Inclusion for Asian Economies.Part 1in:Gopalan S,Kikuchi T.Financial Inclusion in Asia[M].Palgrave Macmillan UK,2016:3-34.
[10]Gwalani H,Parkhi S.Financial Inclusion-Building a Success Model in the Indian Context[J].Procedia-Social and Behavioral Sciences,2014,133:372
[11]Sinha R P.Index of Financial Inclusion:Some Empirical Results.Chapter 28in:Ghosh A N,Karmaker A K.Analytical Issues in Trade,Development and Finance[M].Springer India,2014:467-478.
[12]王婧,胡国辉.这个普惠金融的发展评价及影响因素分析[J].金融论坛,2013(6):31-36.
[13]崔艳娟,刘旸.我国包容性金融发展水平评价研究[J].大连理工大学学报(社会科学版),2017,38(2):66-70.
[14]范香梅,张晓云,辛兵海.中国金融包容性发展与收入公平分配的因果关系研究[J].当代经济研究,2015(9):60-68.
[15]张彤进.包容性金融发展的城乡收入分配效应研究[J].山西财经大学学报,2016,38(6):28-40.
[16]任碧云,张彤进.包容性金融发展与个人职业选择及收入变动:理论与经验研究[J].金融经济学研究,2015(5):16-28.
[17]Beck T,Demirguc-Kunt A,Peria M S M.Reaching Out:Access to and Use of Banking Services across Countries[J].Journal of Financial Economics,2007,85(1):234-266.
[18]Park C,Mercado J R V.Financial Inclusion,Poverty,and Income Inequality in Developing Asia[R].Working Paper.Philippines:Asian Development Bank,2015,No.426.
[19]Gupte R,Venkatarmani B,Gupta D.Computation of Financial Inclusion Index for India[J].Social and Behavioral Sciences,2012,37(1):133-149.
[20]Fungacova Z,Weill L.Understanding Financial Inclusion in China[J].China Economic Review,2015,34:196-206.
[21]Ambarkhane D,Singh A S,Venkataramani B.Developing a Comprehensive Financial Inclusion Index[J].SSRN Electronic Journal,2016,41(3):216-235.
[22]Amidzic G,Massara A,Mialou A.Assessing Countries’Financial Inclusion Standing:A New Composite Index[R].IMF Working Paper WP-2014-36.International Money Fund,2014.
[23]Rahman Z,Coelho F.Financial Inclusion Indicators:Quality Dimension[R].The 2013AFI Global Policy Forum,2013.
[24]焦瑾璞,等.中国普惠金融发展进程及实证研究[R].北京:中国人民银行,2015.
[25]李建军,卢盼盼.中国居民金融服务包容性测度与空间差异[J].经济地理,2016,36(3):118-124.
[26]谢家智,王文涛,李尚真.包容性金融发展的产业结构升级效应[J].当代经济研究,2017(3):74-83.
[27]中国人民银行西宁中心支行课题组.区域包容性金融发展评价指标体系研究[J].青海金融,2015(2):11-16.
[28]何海鹰,赵俐佳.中国农村金融包容性评价体系研究[J].海南金融,2015(3):76-78.
[29]王修华,陈茜茜.农户金融包容性测度及其影响因素实证分析[J].农业技术经济,2016(1):108-117.
[30]张林,张维康.金融服务实体经济增长的效率及影响因素研究[J].宏观质量研究,2017,5(1):47-60.
[31]张林.中国双向FDI、金融发展与产业结构优化[J].世界经济研究,2016(10):111-124.