我国区域金融差异化发展研究

发布时间：2018-02-26 01:18

本文关键词： 区域金融泰尔指数金融指标对策建议　出处：《首都经济贸易大学》2013年硕士论文　论文类型：学位论文

【摘要】：金融是现代经济运行的核心和枢纽，经济发展离不开金融的支持和推动。改革开放以来，我国经济取得了长足的进步和发展，无论国民经济总量还是人们生活水平都达到了前所未有的水平，但是，在骄人的成绩背后却存在区域金融差异现象。由于我国地大物博，幅员辽阔，资源分布极其不均衡，我国东部、中部、西部及东北部四大区域之间以及四大区域的内部，区域金融差异化现象十分明显。本文将重点研究我国四大区域间金融差异化的现状、产生金融差异的原因、如何看待金融差异化以及如何减小区域金融差异等问题。首先，本文将我国划分为东部、中部、西部及东北部四个区域，运用指标（如：金融相关比率FIR、存贷款余额相对比率LSR、金融机构数量、非金融机构融资量）和面板数据，宏观分析四个区域间的金融差异及变化趋势。其次，，本文从行业的角度，对银行业、保险业、证券业分别运用相关指标（如：资产负债情况、存贷款规模情况、网点与从业人员数量、保费收入、保险密度、保险深度、证券化率等），衡量区域间金融差异的大小并排序，给读者以清晰的展示。再次，运用泰尔指数度量方法，测算人均存贷款总和的泰尔指数和金融相关比率的泰尔指数，观察我国区域金融差异化的发展趋势。最后，本文从区域经济发展差异、政策因素、制度因素、历史与地理等角度分析了区域金融差异化的根本原因，并提出减小区域金融差异、实现区域金融协调发展的对策。
[Abstract]:Finance is the core and hub of modern economic operation, and economic development can not be separated from the support and promotion of finance. Since the reform and opening up, China's economy has made considerable progress and development. Both the gross national economy and people's living standards have reached an unprecedented level, but there is a phenomenon of regional financial differences behind the impressive achievements. Because of the vast territory and vast territory, the distribution of resources is extremely uneven in our country. The phenomenon of regional financial differentiation is very obvious in the east, middle, west and northeast of China and the interior of the four regions. This paper will focus on the current situation of financial differentiation among the four regions in China, and the reasons for the financial differences. How to treat financial differentiation and how to reduce regional financial differences and so on. First of all, this paper divides our country into four regions: eastern, central, western and northeast, using indicators (such as FIR, LSRs, the number of financial institutions, the amount of non-financial institutions financing) and panel data. Macro analysis of the financial differences and trends among the four regions. Secondly, from the perspective of industry, this paper applies relevant indicators to the banking, insurance and securities industries (such as: assets and liabilities, deposit and loan scale, network and number of employees, premium income, insurance density, insurance depth, etc. Securitization rate, such as measuring the size of regional financial differences and ranking, to give readers a clear display. Thirdly, using the method of Tyr index, the paper calculates the per capita total of deposits and loans and the Tyr index of finance-related ratio, and observes the development trend of regional financial differentiation in China. Finally, this paper analyzes the fundamental causes of regional financial differentiation from the perspectives of regional economic development differences, policy factors, institutional factors, history and geography, and puts forward countermeasures to reduce regional financial differences and realize the coordinated development of regional finance.
【学位授予单位】：首都经济贸易大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.7

【参考文献】