中国城乡金融发展的包容性增长效应——基于省级面板数据的实证分析被引量：12

The Inclusive Growth Effects of Urban and Rural Financial Development in China:Empirical Analysis Based on Provincial Panel Data

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摘要大数据和智能化时代,数据的价值得到进一步提升和发挥。依靠大数据技术,银行可以更好地进行经济预测和金融统计分析,在增强银行竞争力的同时,为可持续发展奠定基础。数据对经济发展至关重要。经济预测和财务分析是在大数据的基础上实现的,依靠数据了解群体行为趋势,进而科学了解市场需求。在互联网时代,数据的价值得到进一步提升和发挥。依靠大数据技术,银行可以更好地进行经济预测和金融统计分析,以实现预期的发展目标。 Based on China’s provincial panel data from 2009 to 2018,the urban-rural financial development is divided into rural financial development and urban financial development,and an empirical study is made on the inclusive growth effect of China’s urban and rural financial development.Research reveals that from a national perspective,both the scale expansion and the efficiency improvement of urban financial development are conducive to the realization of inclusive growth;the scale expansion of urban financial development restricts the realization of inclusive growth,but the efficiency improvement of urban financial development is helpful to the realization of inclusive growth.Further exploration finds that the scale expansion and the efficiency improvement of rural financial development in the eastern,central,and western regions are all conducive to the realization of inclusive growth;the scale expansion of the urban financial development in the eastern region is conducive to the realization of inclusive growth,but the efficiency improvement of the region has restricted the realization of inclusive growth;both the scale expansion and the efficiency improvement of urban financial development in the central region have contributed to the realization of inclusive growth;the scale expansion of the urban financial development in the western region has restricted the realization of inclusive growth while the efficiency improvement of the region is conducive to the realization of inclusive growth.

作者陈昱燃熊德平 CHEN Yu-ran;XIONG De-ping(School of Finance,Southwestern University of Finance and Economics,Chengdu 611130,China;School of Finance,Yunnan University of Finance and Economics,Kunming 650221,China)

机构地区西南财经大学金融学院云南财经大学金融学院

出处《云南财经大学学报》 CSSCI 北大核心 2021年第9期63-79,共17页 Journal of Yunnan University of Finance and Economics

基金国家自然科学基金项目“中国农村普惠金融发展的市场竞争机制、生成条件与政策创新——基于金融市场竞争溢出效应和门槛效应及其影响因素的实证”(71873118)。

关键词农村金融发展城镇金融发展城乡收入差距包容性增长 Rural Financial Development Urban Financial Development Urban-Rural Income Gap Inclusive Growth

分类号 F276 [经济管理—企业管理]

作者简介陈昱燃(1996-),男,山西阳城人,西南财经大学金融学院博士研究生,主要研究方向为农村金融、普惠金融;熊德平(1962-),男,江苏东台人,云南财经大学金融学院教授,博士,博士生导师,主要研究方向为农村金融、普惠金融。