随着我国整体发展战略的实施和推进，西部沿边地区的战略地位越来 越重要，相比于东部地区，西部地区的经济发展有着明显的滞后性，经济基 础薄弱、教育水平不高、投资不足等因素都会阻碍经济的发展。近年来，中 国——东盟博览会、中国（广西）自由贸易试验区等多个国家重点开放战略 项目在广西落地，都表明了广西在国家西部发展战略中的重要地位。国家兴 边富民政策的推动，《西部大开发“十三五”规划》的实施，已将防城港市 作为沿边重点地区列入发展规划。但以防城港为代表的西部沿边地区正处 于投资不足，经济发展相对缓慢的现状。本文从城乡居民投资资金的来源着 手，以城乡居民的可支配收入作为切入点，尝试查找西部沿边地区城乡居民 投资水平较低的原因，为增加西部沿边地区城乡居民收入和提升居民投资 水平提供佐证。 通过对城乡居民可支配收入数据的分析，发现城乡居民可支配收入与 城乡居民的可转换投资资金呈正相关；城镇居民的可支配收入对可转换投 资资金的影响比农村居民的影响显著，并且城镇居民投资资金的积累程度 要高于农村居民；城镇居民投资资金积累的稳定性要高于农村居民；城乡居 民的工资性收入和经营净收入是对可支配收入贡献率最大的收入项，财产 净收入将成为城乡居民可支配收入增长新的支撑点；城乡居民的可支配收 入对城乡居民的投资风险偏好有直接影响。 II 在研究的基础上，通过结合沿边地区特色拓宽增收渠道、整合沿边农村 用地信息、建立安全完善的边境投资环境等方面，对提高城乡居民收入水平 提出有针对性的对策建议。 关键词：可支配收入 财产性收入 可转换投资资金 多元线性回归 III AN ANALYSIS OF THE INFLUENCE OF URBAN AND RURAL RESIDENTS' DISPOSABLE INCOME ON INVESTMENT IN THE WESTERN BORDER REGION——TAKE FANGCHENGGANG CITY IN GUANGXI AS AN EXAMPLE ABSTRACT With the implementation and advancement of China's overall development strategy, the strategic position of the western border regions has become more and more important. Compared with the eastern region, the economic development of the western region has a clear lag, with weak economic foundation, low education level and insufficient investment. Other factors will hinder economic development. In recent years, China-ASEAN Expo, China (Guangxi) Pilot Free Trade Zone and many other countries' key opening-up strategic projects have been implemented in Guangxi, which shows Guangxi's important position in the country's western development strategy. The promotion of the national policy of rejuvenating the border and enriching the people, and the implementation of the "Thirteenth Five-Year Plan for Western Development" has included Fangchenggang as a key area along the border in the development plan. However, the western border areas represented by Fangchenggang are in a situation of insufficient investment and relatively slow economic development. This article starts from the sources of investment funds of urban and rural residents, and uses the disposable income of urban and rural residents as the entry point to try to find IV the reasons for the low investment level of urban and rural residents in the western border regions, and provide evidence for increasing the income of urban and rural residents and improving the investment level of residents in the western border regions. Through the analysis of the disposable income data of urban and rural residents, it is found that the disposable income of urban and rural residents is positively correlated with the convertible investment funds of urban and rural residents; The impact of urban residents' disposable income on convertible investment funds is more significant than that of rural residents, and the degree of accumulation of investment funds of urban residents is higher than that of rural residents; The stability of investment fund accumulation of urban residents is higher than that of rural residents; wage income and net operating income of urban and rural residents are the income items that contribute the most to disposable income, and net property income will become a new support for the growth of disposable income of urban and rural residents Point; the disposable income of urban and rural residents has a direct impact on the investment risk appetite of urban and rural residents. On the basis of research, by combining the characteristics of border areas to broaden income channels, integrate border rural land use information, establish a safe and sound border investment environment, and cultivate investment awareness among urban and rural residents, we propose targeted countermeasures and suggestions for increasing the income level of urban and rural residents V KEYWORDS: Disposable income；Property income；Convertible investment funds；Multiple linear regression VI 目 录 摘要 ......................................................................................................................................... I ABSTRACT ........................................................................................................................... III 第一章 导论 .............................................................................................................................. 1 1.1 论文选题的背景 .......................................................................................................... 1 1.2 论文研究的意义 .......................................................................................................... 2 1.2.1 理论意义 ............................................................................................................ 2 1.2.2 实践意义 ............................................................................................................ 2 1.3 国内外研究现状综述 .................................................................................................. 3 1.3.1国外研究现状综述 ............................................................................................. 3 1.3.2国内研究现状综述 ............................................................................................. 4 1.3.3 文献评述 ............................................................................................................ 5 1.4研究方法 ....................................................................................................................... 5 1.5 本文的可能创新点及不足 .......................................................................................... 6 1.5.1 可能创新点 ........................................................................................................ 6 1.5.2 本文的不足之处 ................................................................................................ 6 第二章 相关理论 .................................................................................................................... 7 2.1 相关理论基础 .............................................................................................................. 7 2.1.1生命周期理论 ..................................................................................................... 7 2.1.2 城乡二元经济结构 ............................................................................................ 7 2.2 本文涉及的有关概念界定 .......................................................................................... 7 2.2.1 关于收入的定义 ................................................................................................ 7 2.2.2 关于可转换投资资金的定义 ............................................................................ 8 第三章 防城港市城乡居民可支配收入对居民投资的影响分析 ....................................... 9 3.1 城乡居民人均可支配收入总体情况 .......................................................................... 9 3.2 城乡居民可支配收入现状 ........................................................................................ 10 3.3 影响居民投资的因素分析 ........................................................................................ 13 3.3.1居民消费支出挤占投资资金 ........................................................................... 13 VII 3.3.2 接受教育和培训程度的高低影响城乡居民的投资成功率 .......................... 14 3.3.3 可支配收入水平反映出城乡居民的投资能力 ............................