广义虚拟经济视角下金融创新与经济增长的协同度分析
发布时间：2018-12-07 14:08
【摘要】：在世界经济发展的历史长河中,金融创新与经济增长始终保持紧密联系。学者们在研究金融创新与经济增长的关系时,大都局限于狭义虚拟经济。现阶段全球经济迎来了同时满足人的物质需求和心理需求以及只满足人的心理需求的广义虚拟经济新时代,新经济时代的到来必然伴随有新经济理论的诞生,对于传统经济理论缺乏很好解释的经济现象,新经济理论能够给出合理的解释和引领新的价值创造。广义虚拟经济视角是新时代的“点金石”,基于该视角研究金融创新与经济增长的协同机制具有重要价值。 本文在研究金融创新与经济增长关系的文献、广义虚拟经济理论和协同学理论的基础上,通过梳理金融创新的发展历程,指出广义虚拟经济视角下金融创新的主要趋势是互联网金融。然后结合广义虚拟经济时代的特征,根据合理性、可操作性、全面性和可比较性原则选取了金融创新和经济增长子系统的指标体系,构建了以两个子系统序参量的协同度模型,并实证分析了2005年-2012年间金融创新与经济增长子系统的有序度和复合系统的协同度,研究发现广义虚拟经济视角下金融创新与经济增长的协同程度逐年提高。最后,利用BP神经网络模型预测2013年金融创新与经济增长的协同度,预测结果显示2013年的系统协同度与2005-2012年间系统协同度的预测趋势一致,提出广义虚拟经济视角下金融创新与经济增长的协同模式。 通过分析可知,互联网金融是广义虚拟经济下金融创新的主要趋势,以人为本、注重感知体验、满足用户心理价值和提供个性化服务等特征均渗入到互联网金融中,这恰好符合广义虚拟经济的内涵和特征。广义虚拟经济视角下我国金融创新与经济增长协同发展的大概路径是金融创新和经济增长同步协同发展。金融创新与经济增长的协同发展模式是一个复杂的交互过程。互联网金融和传统意义上的金融创新通过减少交易成本、促进技术进步、提高创新效率、有利资源配置和满足用户个性化需求等方面推动赋予广义虚拟经济内涵的经济增长,而包含品牌、文化、创意、人文艺术和服务等信息要素的经济增长则通过金融创新产权激励、金融创新者的公平收益、金融创新的政府力量和金融创新机构内部激励四个因素来促进金融创新。
[Abstract]:In the history of world economic development, financial innovation and economic growth have always been closely linked. When scholars study the relationship between financial innovation and economic growth, most of them are confined to narrow-sense fictitious economy. At the present stage, the global economy has ushered in a new era of generalized virtual economy, which meets the material and psychological needs of human beings and only meets the psychological needs of human beings. The arrival of the new economic era is bound to be accompanied by the birth of the new economic theory. The new economic theory can give a reasonable explanation and lead the new value creation for the lack of explanation of economic phenomenon in traditional economic theory. The generalized virtual economy perspective is the "golden stone" of the new era, and it is of great value to study the synergetic mechanism between financial innovation and economic growth based on this perspective. On the basis of studying the relationship between financial innovation and economic growth, generalized virtual economy theory and synergetic theory, this paper combs the development course of financial innovation. It is pointed out that Internet finance is the main trend of financial innovation from the perspective of generalized virtual economy. Then according to the characteristics of the generalized virtual economy era and according to the principles of rationality, operability, comprehensiveness and comparability, the index system of financial innovation and economic growth subsystem is selected, and the coordination degree model with the order parameters of the two subsystems is constructed. The paper also analyzes the order degree of financial innovation and economic growth subsystem from 2005 to 2012 and the coordination degree of composite system. It is found that the degree of synergy between financial innovation and economic growth increases year by year from the perspective of generalized virtual economy. Finally, the BP neural network model is used to predict the degree of synergy between financial innovation and economic growth in 2013. The results show that the system synergy in 2013 is consistent with the forecast trend of system synergy between 2005 and 2012. This paper puts forward the synergetic mode of financial innovation and economic growth from the perspective of generalized virtual economy. Through analysis, it can be seen that Internet finance is the main trend of financial innovation in the generalized virtual economy. The characteristics of people-oriented, focusing on the perceptual experience, satisfying the psychological value of users and providing individualized services have penetrated into the Internet finance. This coincides with the connotation and characteristics of the generalized virtual economy. From the perspective of generalized virtual economy, the possible path of the coordinated development between financial innovation and economic growth in China is the coordinated development of financial innovation and economic growth. The coordinated development model of financial innovation and economic growth is a complicated interactive process. Internet finance and financial innovation in the traditional sense promote the economic growth with the connotation of generalized virtual economy by reducing transaction cost, promoting technological progress, improving innovation efficiency, favorable allocation of resources and meeting the individual needs of users. And economic growth, which includes information elements such as brand, culture, creativity, humanities, art and service, is encouraged by financial innovation property rights, and the fair income of financial innovators. The government power of financial innovation and the internal incentive of financial innovation institution are four factors to promote financial innovation.
【学位授予单位】：武汉理工大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F124;F832
本文编号：2367320
[Abstract]:In the history of world economic development, financial innovation and economic growth have always been closely linked. When scholars study the relationship between financial innovation and economic growth, most of them are confined to narrow-sense fictitious economy. At the present stage, the global economy has ushered in a new era of generalized virtual economy, which meets the material and psychological needs of human beings and only meets the psychological needs of human beings. The arrival of the new economic era is bound to be accompanied by the birth of the new economic theory. The new economic theory can give a reasonable explanation and lead the new value creation for the lack of explanation of economic phenomenon in traditional economic theory. The generalized virtual economy perspective is the "golden stone" of the new era, and it is of great value to study the synergetic mechanism between financial innovation and economic growth based on this perspective. On the basis of studying the relationship between financial innovation and economic growth, generalized virtual economy theory and synergetic theory, this paper combs the development course of financial innovation. It is pointed out that Internet finance is the main trend of financial innovation from the perspective of generalized virtual economy. Then according to the characteristics of the generalized virtual economy era and according to the principles of rationality, operability, comprehensiveness and comparability, the index system of financial innovation and economic growth subsystem is selected, and the coordination degree model with the order parameters of the two subsystems is constructed. The paper also analyzes the order degree of financial innovation and economic growth subsystem from 2005 to 2012 and the coordination degree of composite system. It is found that the degree of synergy between financial innovation and economic growth increases year by year from the perspective of generalized virtual economy. Finally, the BP neural network model is used to predict the degree of synergy between financial innovation and economic growth in 2013. The results show that the system synergy in 2013 is consistent with the forecast trend of system synergy between 2005 and 2012. This paper puts forward the synergetic mode of financial innovation and economic growth from the perspective of generalized virtual economy. Through analysis, it can be seen that Internet finance is the main trend of financial innovation in the generalized virtual economy. The characteristics of people-oriented, focusing on the perceptual experience, satisfying the psychological value of users and providing individualized services have penetrated into the Internet finance. This coincides with the connotation and characteristics of the generalized virtual economy. From the perspective of generalized virtual economy, the possible path of the coordinated development between financial innovation and economic growth in China is the coordinated development of financial innovation and economic growth. The coordinated development model of financial innovation and economic growth is a complicated interactive process. Internet finance and financial innovation in the traditional sense promote the economic growth with the connotation of generalized virtual economy by reducing transaction cost, promoting technological progress, improving innovation efficiency, favorable allocation of resources and meeting the individual needs of users. And economic growth, which includes information elements such as brand, culture, creativity, humanities, art and service, is encouraged by financial innovation property rights, and the fair income of financial innovators. The government power of financial innovation and the internal incentive of financial innovation institution are four factors to promote financial innovation.
【学位授予单位】：武汉理工大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F124;F832
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