普惠金融的发展对推动经济发展、促进城乡居民增收和缩小城乡居民收入差距具有积极的影响。本文以新疆为例,在相关研究的基础上构建了普惠金融发展的门槛效应模型,并分别利用2000年—2006年、2007年—2014年和2000年—2014年三个时间段新疆各地、州、市的面板数据检验了金融发展的门槛效应对城乡居民收入差距的影响。结果表明,新疆普惠金融发展对城乡居民收入差距存在库茨涅茨效应。但由于目前新疆的普惠金融发展水平较低,尚处于倒“U”型的左边,说明新疆普惠金融的发展对缩小城乡居民收入差距还没有起到明显的促进作用。
The development of Inclusive financial has a positive impact on the promotion of economic development, promotion of urban residents and farmers’ income and narrow the income gap between urban and rural residents. This paper takes Xinjiang as an example, based on the related research, constructs the threshold effect of the development of inclusive financial model, and using panel data from 2000 to 2006, 2007-2014 and 2000-2014 three time Xinjiang city around the state, to test the influence of financial development threshold effect on the urban-rural income gap.This paper analyzes the threshold effect of inclusive financial on the income gap between urban, using panel data model test threshold effect of financial development from 2000 to 2006, 2007 to 2014 and from 2000 to 2014. The results shows that the presence of an inclusive financial Xinjiang Kuznets effect on the income gap between urban and rural residents. However, due to the low level of inclusive financial Xinjiang, Xinjiang is still at the level of inclusive finance inverted “U” shaped left and inclusive financial development significantly expands the income gap in Xinjiang. For the conclusion, it puts forward the corresponding countermeasures and suggestions.
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