西北地区金融普惠与外溢性研究

发布时间：2018-01-13 17:41

  本文关键词：西北地区金融普惠与外溢性研究　出处：《石河子大学》2016年硕士论文　论文类型：学位论文

  更多相关文章： 西北地区 金融普惠 外溢性

【摘要】：“金融普惠”这一概念早在2005年被提出,历经10余年的探索,2016年国务院印发了推进普惠金融发展的规划,普惠金融在我国的实践正在不断深入。我国地域辽阔,各区域存在较为明显的经济差异,西北地区经济发展较中部、东部稍显落后,西北地区经济建设和金融普惠发展理应更受关注,从缩小自身二元结构和区域经济差异的角度而言,金融普惠的发展有利于精准扶贫工作的顺利开展。金融普惠水平在提升和促进经济增长的同时,是否能提振居民消费,助推城镇化进程?从中折射出普惠金融所产生的外溢效应?本文以金融普惠制理论和金融发展的三大效应为研究基石,在此基础上,从供求两方面分析了西北五省金融现状,紧接着构建西北地区金融普惠水平测算指标体系,并运用该指标对2004-2014年西北地区进行了测评,分析了影响西北五省金融普惠水平高低的因素,最后运用2004-2014年的省级面板数据进行实证检验,进一步说明金融普惠对居民消费和城镇化带来的外溢效应。文章结构上可以分为七个章节,是基于理论—实证—对策的思路构建的框架。第一章为绪论,第二章为金融普惠的理论基础和金融发展的外溢效应;第三章以西北地区为背景展开的金融普惠现状分析;第四章,对金融普惠测度指标和方法进行了总结和归纳,借鉴已有IFI指数,构建西北五省金融普惠测度指标(IFI),并依此确立了3个维度。基于此,对西北五省金融普惠水平进行了实际测评,为获取西北五省金融服务的总体概况,先对西北五省金融服务机构网点及贷款情况进行了简要分析,并依据该章确定的维度与计算方法,对西北五省金融普惠水平进行了实际测算。从纵向上看,2004-2014年间,西北五省金融普惠水平有明显的提高;横向来看,不同省(区)之间金融普惠水平存在较大差距,陕西、宁夏金融普惠的整体水平较高,甘肃、青海和新疆的金融普惠整体水平较低。第五章在已有金融普惠水平影响因素的相关研究成果的基础上,提出影响金融普惠水平的相关指标,并运用面板数据模型对西北地区进行实证检验研究,从研究结果可知,第三产业拉动率、城镇化率、受教育水平和公路里程数与金融普惠之间呈显著正相关,而第一产业拉动率则呈负的显著性影响。第六章选用Granger因果检验、协整检验、面板VAR模型、脉冲响应和方差分解方法对金融普惠的外溢效应进行研究,通过分析发现,金融普惠在一定程度上促进居民消费的发展,但作用效果需在第6期得以显现;金融普惠与城镇化发展表现为相互促进的关系,说明金融普惠对西北地区经济发展具有外溢效应。以上结论暗含的政策含义是要提升西北地区金融普惠水平,必须增加金融机构网点数,强化和完善区域金融基础设施建设;抓住产业升级机遇,结合城镇、教育和交通的正向影响,乘势而上;放宽金融市场限制,加快推进城镇化进程和消费升级。
[Abstract]:The concept of "financial inclusion" was proposed in 2005, after more than 10 years of exploration, in 2016 the State Council issued to promote the development of inclusive financial planning, inclusive finance practice in China is deepening. China's vast territory, there are obvious differences of the regional economy, economic development in Northwest China is middle Eastern slightly backward, Northwest Economic Development and financial development should be inclusive of more attention, from its two element structure and narrow the regional economic difference of perspective, the development of Inclusive Finance is conducive to accurate poverty alleviation work smoothly. The level of financial inclusion in promoting and promoting economic growth at the same time, whether it can boost consumption, boosting urbanization the spillover effect of financial inclusion process? Arising from refraction? This study based on three effects of GSP financial theory and financial development, based on this, from Two aspects of supply and demand analysis of the financial situation of the five northwestern provinces, then build index system of financial inclusion level in the northwest, and the use of the index evaluation of the northwest region for 2004-2014 years, and analyzed the influence factors of the five northwestern provinces inclusive finance level, finally using the provincial panel data of 2004-2014 years of empirical testing, further spillover the effect of financial inclusion on consumption and urbanization. The structure can be divided into seven chapters, is a framework for building - Theory - Empirical solutions based on. The first chapter is the introduction, the second chapter is the spillover effect of Inclusive Finance Theory and financial development; the third chapter is the background analysis in northwest region the fourth chapter, inclusive finance situation; the financial inclusion measure and method are summarized. And the existing IFI index, construction of the five northwestern provinces financial Pu Hui index (IFI), which was established in 3 dimensions. Based on this, in five provinces of Northwest inclusive finance level to the actual evaluation, for the general situation of the five northwestern provinces access to financial services, the first outlets and loan financial services institutions in northwest five provinces were analyzed, and based on the dimensions and method this chapter identifies the five provinces of Northwest inclusive finance level of actual calculation. From the longitudinal view, during 2004-2014, the five northwestern provinces Inclusive Finance was significantly increased; the lateral view, different provinces (regions) between the level of financial inclusion in a large gap, Shaanxi, a high level of financial inclusion in Ningxia, Gansu Inclusive Finance, the overall level of Qinghai and Xinjiang is relatively low. The fifth chapter researches the influence factors in the existing financial inclusion level, put forward related financial inclusive level standard, and use panel data Empirical research on the northwest model, the result shows that the third industrial pulling rate, urbanization rate, by showed a significant positive correlation between education level and highway mileage and Inclusive Finance, while the first industrial pulling rate has a significant negative impact. In the sixth chapter, using Granger causality test, cointegration test, panel VAR model, impulse response and variance decomposition method to study the spillover effects of financial inclusion, the analysis found that the financial inclusion in a certain extent, promote the development of the consumer, but the effects need to show in the sixth period; Inclusive Finance and the development of urbanization is to promote mutual relations, that has spillover effects on financial inclusion the economic development in the northwest region. The policy implications of these conclusions imply is to enhance the northwest inclusive finance level, must increase the number of outlets of financial institutions, strengthen and improve the regional financial The construction of infrastructure; seize the opportunity of industrial upgrading, combined with the town, positive effect, education and transportation to relax; financial market restrictions, accelerating the process of urbanization and consumption upgrade.

【学位授予单位】：石河子大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F832.7
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本文编号：1419884