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在剖析了信贷配给与城乡收入差距之间作用机制的基础上,论文构建了信贷配给与城乡收入差距的面板门槛模型,选取31个省市1987年—2013年的省级面板数据,运用面板门槛模型估计方法,实证分析信贷配给对城乡收入差距的影响,并且从区域层面进行了比较分析。结果显示:降低信贷配给程度有助于缓解城乡收入差距,而从东部、中部、西部三大区域的实证结果来看,各地区的信贷配给程度的提升对城乡收入差距的扩大有不同程度的影响。最后根据研究结果,提出降低各地区农业信贷配给程度的措施,从而达到缩小城乡收入差距的目的。
Based on the analysis of the mechanism of credit rationing and the income gap between urban and rural areas, the paper builds a panel threshold model of credit rationing and urban-rural income disparity, selects provincial panel data from 31 provinces and municipalities from 1987 to 2013, Model estimation method, the impact of credit rationing on income gap between urban and rural areas is empirically analyzed, and a comparative analysis is made at the regional level. The results show that reducing credit rationing can help alleviate the income gap between urban and rural areas. According to the empirical results of the three regions of eastern, central and western regions, the increase of credit rationing in various regions has a varying degree of impact on the expansion of urban-rural income disparity . Finally, according to the results of the study, we put forward measures to reduce the degree of agricultural credit rationing in various regions so as to achieve the purpose of narrowing the income gap between urban and rural areas.