RUDN Journal of EconomicsRUDN Journal of EconomicsВестник Российского университета дружбы народов. Серия: Экономика2313-23292408-8986Peoples’ Friendship University of Russia named after Patrice Lumumba (RUDN University)1851710.22363/2313-2329-2018-26-1-140-152WORLD CAPITAL MARKETМИРОВОЙ РЫНОК КАПИТАЛАResearch ArticleAnalysis of wealth inequality with a random money transfer modelАнализ причин неравномерного распределения богатств посредством модели денежных переводовSiyanChenСиянЧенAssociate Professor of Business Schoolдоцент бизнес-школы Шаньтоуского университетаsychen1@stu.edu.cnYouguiWangЙоугуиВангProfessor of School of Systems Scienceпрофессор школы системных наук Пекинского педагогического университетаygwang@bnu.edu.cnChengyuYangЧэнюЯньProfessor of Business Schoolфессор бизнес-школы Пекинского педагогического университетаcyang@bnu.edu.cnSaulDesiderioСаулДезидериоAssociate Professor of Business Schoolдоцент бизнес-школы Шаньтоуского университетаsaul@stu.edu.cnBusiness School, Shantou UniversityШкола бизнеса, университет ШаньтоуSchool of Systems Science, Beijing Normal UniversityШкола системных наук, Пекинский педагогический университетBusiness School, Beijing Normal UniversityШкола бизнеса, Пекинский педагогический университет15122018261VOL 26, NO1 (2018)ТОМ 26, №1 (2018)14015214052018Copyright ©; 2018, Siyan C., Yougui W., Chengyu Y., Saul D.Copyright ©; 2018, Сиян Ч., Йоугуи В., Чэню Я., Саул Д.2018Siyan C., Yougui W., Chengyu Y., Saul D.Сиян Ч., Йоугуи В., Чэню Я., Саул Д.http://creativecommons.org/licenses/by/4.0https://journals.rudn.ru/economics/article/view/18517Increasing gap in wealth distribution is among the key issues that have been discussed worldwide in recent years. In this paper, we use the money transfer model to explain the formation of wealth distribution, by imposing two types of debt constraints, and the analytic function of wealth distribution is derived by adopting Boltzmann statistics. With a limit of individual debt, it is shown that the stationary distribution of wealth follows the exponential law, which is verified by many empirical studies. While the limit is imposed on the total amount of bank loan, the stationary distribution becomes an asymmetric Laplace one. Furthermore, an excellent agreement is found between these analytical probability density functions and numerical results by simulation at the steady state.Растущий разрыв в распределении богатства является одним из ключевых вопросов, которые обсуждаются во всем мире в последние годы. 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