基于金融成熟度模型的关中一天水经济区区域金融发展策略研究

发布时间：2018-06-30 21:22

本文选题：金融成熟度 + 区域金融　；参考：《西安电子科技大学》2013年硕士论文

【摘要】：金融是现代经济的内生变量和核心要素,随着经济金融程度化的不断加深,区域金融市场已经成为影响和制约区域经济发展的决定性因素。在现代金融理论研究框架中,有关金融发展的研究虽然获得了丰硕成果,但是如何直观、全面、准确地测度金融运行状态上,仍缺乏一个有效的方法。已有的研究文献主要选用一些金融指标来测度金融发展,如,存贷款规模、金融机构数、金融市场交易量,等等。但这些指标因为单一性,总是存在一些缺陷。本文的主要目的就是要寻找一个测度金融运行状态的有效方法,并希望可以探索一种新的研究视角。在具体的思路上,就是以关中—天水经济区为样本,尝试构造一个能够反映金融运行状况的综合指数。本文在系统的分析了区域金融发展的内涵、历史背景和发展机理的基础上,将“金融成熟度”的概念引入区域金融发展领域,深入分析中国区域金融成熟度的概念界定和测定方法。本文以关中—天水经济区为研究对象进行实证研究,首先选取关中—天水经济区的8个主要城市的金融机构存款余额、金融机构贷款余额、GDP、金融相关比率等指标,构建区域金融发展水平综合指标体系,后采用主成分分析法对关中—天水经济区金融成熟度进行测定。最后从区域金融的角度,提出相关的政策建议。研究表明：关中—天水经济区内不同区域之间的金融发展程度存在很大的差异,金融市场体系不健全、跨区域金融设施不健全以及金融资源在分布上呈非均衡状态,区域经济体系存在结构性失衡,西安明显领先与其他城市,金融发展比较迅速,金融体系比较完整,而其他城市特别是天水金融发展缓慢。研究建议,应完善金融市场体系,创新金融服务方式,促进区域金融合作,加强金融创新和完善金融机构。
[Abstract]:Finance is the endogenous variable and core factor of modern economy. With the deepening of the degree of economic finance, regional financial market has become the decisive factor to influence and restrict the development of regional economy. In the framework of modern financial theory research, although the research on financial development has obtained fruitful results, there is still a lack of an effective method on how to measure the state of financial operation intuitively, comprehensively and accurately. The existing research literature mainly uses some financial indicators to measure the financial development, such as the scale of deposits and loans, the number of financial institutions, the volume of financial markets, and so on. However, because of the singularity of these indicators, there are always some defects. The main purpose of this paper is to find an effective method to measure the state of financial operation, and hope to explore a new research perspective. Taking Guanzhong-Tianshui Economic Zone as a sample, the author tries to construct a comprehensive index which can reflect the financial operation. Based on the systematic analysis of the connotation, historical background and development mechanism of regional financial development, this paper introduces the concept of "financial maturity" into the field of regional financial development. The concept definition and measurement method of regional financial maturity in China are analyzed in depth. This paper takes Guanzhong-Tianshui Economic Zone as the research object to carry on the empirical research, first selects the Guanzhong-Tianshui Economic Zone 8 main cities' financial institution deposit balance, the financial institution loan balance GDP, the financial correlation ratio and so on. The comprehensive index system of regional financial development level is constructed, and then the financial maturity of Guanzhong-Tianshui Economic Zone is measured by principal component analysis. Finally, from the point of view of regional finance, put forward the relevant policy recommendations. The research shows that there are great differences in the degree of financial development among different regions in Guanzhong Tianshui Economic Zone, the financial market system is not perfect, the cross-regional financial facilities are not perfect and the distribution of financial resources is disequilibrium. There is a structural imbalance in the regional economic system, Xi'an is obviously ahead of other cities, the financial development is relatively rapid, the financial system is relatively complete, and other cities, especially Tianshui, are slow to develop finance. It is suggested that the financial market system should be improved, the financial service mode should be innovated, regional financial cooperation should be promoted, financial innovation should be strengthened and financial institutions should be perfected.
【学位授予单位】：西安电子科技大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.7

【参考文献】