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本文选用2004~2014年我国宏观层面数据,建立模型实证研究银行业结构对城乡收入差距的影响。研究发现:我国政策性银行对城乡收入差距的影响不显著;大型商业银行、股份制商业银行、农村信用社和外资银行的发展会促使我国城乡收入差距的进一步扩大;城市商业银行、农村商业银行、非银行金融机构、新型农村金融机构和邮政储蓄银行的发展在缩小城乡收入差距的过程中起到了积极的作用。
This paper chooses the macro-level data from 2004 to 2014 in our country and establishes a model to study the impact of banking structure on the income gap between urban and rural areas. The results show that: the influence of policy banks in our country on the income gap between urban and rural areas is not significant; the development of large-scale commercial banks, joint-stock commercial banks, rural credit cooperatives and foreign-funded banks will promote the further expansion of the income gap between urban and rural areas in our country; urban commercial banks, rural commercial banks, The development of non-bank financial institutions, new rural financial institutions and postal savings banks has played a positive role in narrowing the income gap between urban and rural areas.