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Study on the Financial Development and the Impact of Urban-rural Income Gap in Chongqing

Author: XiePengCheng
Tutor: RanGuangHe
School: Chongqing University
Course: Industrial Economics
Keywords: Chongqing Financial development Urban-rural income gap
CLC: F832.7;F127
Type: Master's thesis
Year: 2009
Downloads: 188
Quote: 2
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Abstract


This paper studies the financial development and the impact of urban-rural income gap in Chongqing. The main conclusions and measures are mentioned below:1、Main conclusions:①The development of finance is fast, but the financial structure is not unreasonable. For example, one of the indexes which are used to measure the financial development is FIR, and it has already reached 2.90 in 2006.But there are also some problems. First, the local financial institutions (including rural credit cooperative) are behind developed; second, during the insurance market, the market concentration degrees are too high; third, the security companies also have reached achievement, but the Fund Company are very little. Other types of financial institutions, such as trust companies have been developed, but Finance companies, automotive finance corporations and financial leasing companies have been underdeveloped.②The urban-rural income gap has its own characteristics: Firstly, the income gap keeps the trend of expanding, and higher than the national average level. Secondly, the income gap between urban and rural residents are mainly embodied in income from wages、net business income and transfer income. In the income from wages and transfer income, the urban residents are much higher than that of rural residents, but in the net business income, the rural residents are higher than the urban residents. Thirdly, the three major regional urban-rural income differences appear various.③Overall, the agricultural economy lacks financial support. Although the rural enterprises have gown rapidly, these are short of financial support.④The financial development is related to income gap and just has a one-way Granger causality. The study shows that the financial development is the granger cause of income gap, but the income gap is not the granger cause of financial development. In addition, the efficiency of financial intermediation and income gap has a negative correlation。The development of economic securitization rate and the income gap have a correlation. The empirical results show that the development of non-bank financial institutions can narrow the gap.2、Policy measures①The financial institutions should enhance the financial support to the agriculture and rural enterprises. In order to this, the existing financial institutions, especially the agricultural banks, agricultural development banks, postal savings, rural credit cooperatives, should play more important role. The local government can guide and encourage the above-mentioned financial institution’s credit policy direction.②The government should found more small and medium-sized financial institutions. In order to this, the local government can encourage found more community banks,urban and rural development banks. Such financial institutions must emphasize the development of agriculture. In addition, these institutions should lower the threshold of financial services.③The government should increase the transfer income of rural residents. At present, the distance of transfer income is high, and the rural social security expenditure and financial subsidies of rural are less than urban. So the local government should increase the financial subsidies to rural residents.④The government should encourage financial institutions to develop more suitable financial products for rural residents, especially the non-bank financial institutions. For example, the insurance companies produce more products which can reduce the risk of agriculture, and cultivate more health insurance, pension insurance, etc. Thus more urban and rural residents can enjoy more financial services.

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