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在收入差距的不同分位点上,金融发展对其的影响会展现出不一样的特征。由于我国区域金融发展不均,这一作用机制还具有显著的地区差异。本文利用面板分位回归模型和面板数据聚类方法探寻金融发展对贫富分化作用的分位点特征和地区差异。实证表明,我国大部分地区的金融发展加剧城乡收入差距的扩大,并且这一作用机制存在动态变化特征。当城乡收入差距从高分位点变动到低分位点时,金融发展拉大城乡收入差距的作用逐渐减缓,部分省份甚至具有金融发展抑制城乡收入差距扩大的效应。本文的研究结论将为业内人士和政府的相关决策提供参考依据。
At different points of the income gap, the impact of financial development will show different characteristics. Due to the uneven development of regional finance in our country, this mechanism of action also has significant regional differences. In this paper, panel quantile regression model and panel data clustering method were used to explore the characteristics of sub-locality and regional differences of financial development on the differentiation of the poor and the rich. Empirical evidence shows that the financial development in most parts of China aggravates the widening income gap between urban and rural areas, and this mechanism has dynamic characteristics. When the income gap between urban and rural areas changes from a high score point to a low score point, the role of financial development in widening the income gap between urban and rural areas gradually slows down. Some provinces even have the effect that financial development can curb the widening income gap between urban and rural areas. The conclusion of this paper will provide reference for the decision of the industry and the government.