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本文分析中国2006~2012年31个省市金融集聚、产业结构升级对城乡收入差距的影响。研究结果表明:金融集聚会通过直接效应和影响产业结构升级间接对城乡居民收入差距产生显著性影响;银行业集聚、证券业集聚和保险业集聚对城乡居民收入差距的影响存在差异,银行业集聚水平的提高缩小城乡居民收入差距,而证券业集聚水平和保险业集聚水平的提高拉大城乡居民收入差距;提高产业结构升级水平,有助于缩小城乡居民收入差距。在保障银行业稳健发展的前提下,应提高证券业和保险业的发展规模,促进农村地区证券市场和保险市场的发展,降低准入门槛。
This article analyzes the impact of the financial agglomeration and industrial structure upgrading of 31 provinces and cities in China from 2006 to 2012 on the income gap between urban and rural areas. The results show that: financial agglomeration indirectly influences the income gap between urban and rural residents through direct effect and industrial structure upgrading; the influence of banking agglomeration, securities industry agglomeration and insurance industry agglomeration on the income gap between urban and rural residents are different, and the banking agglomeration The improvement of the level will reduce the income gap between urban and rural residents, while the level of securities industry agglomeration and insurance industry agglomeration will widen the income gap between urban and rural residents. Improving the level of industrial structure upgrading will help to narrow the income gap between urban and rural residents. Under the precondition of ensuring the steady development of the banking sector, we should increase the development scale of the securities and insurance industries, promote the development of the securities and insurance markets in rural areas, and lower the barriers to entry.