我国区域金融业非均衡发展的度量及原因分解

发布时间：2018-07-16 22:55

【摘要】：金融业，作为连接不同市场和不同要素的桥梁和枢纽，在市场资源配置中发挥着核心的作用，是信用经济和货币经济不可或缺的重要组成部分。我国金融业在经历了改革开放三十几年来的发展，如今已然成为了集银行、证券、保险于一体的全面发展的现代化金融业。然而，作为我国现代化金融业的一大硬伤，我国区域金融业无论是在金融结构方面，还是在金融总量、金融效率方面都存在较大的差异，这种区域金融业的非均衡发展，不仅制约着我国金融业的全面、协调与可持续发展，更制约着我国经济社会的全面、协调、可持续的发展。且在当前金融理论的相关研究中，多数为宏观金融与微观金融研究，而以区域金融为研究对象的中观金融研究则少之又少。本文正是在这种背景下，致力于探究我国区域金融业非均衡发展这一问题的。本文采用静态描述分析与动态趋势分析相结合、规范与实证分析相结合的研究方法，力争有效、客观地反映我国区域金融业非均衡发展的真实情况。本文主要内容包括四部分：首先，本文对区域金融的属性、理论、动因及发展指标进行了概述分析；其次，，对我国东中西三大经济区域的金融业发展差异进行了主成分分析和演变趋势分析；然后，对引起我国区域金融非均衡的原因进行了回归分析，并采用基于回归的分解方法，对各回归原因对区域金融业发展差异的贡献度进行分解，以判断导致我国区域金融业非均衡发展的主要原因；最后，通过前文的研究结论，有针对性地提出协调我国区域金融业发展的对策与建议。本文研究表明,首先，在当前情况下，无论是三大区域间、还是区域内部的的金融业发展差异都较为明显；其次，本文选取的经济规模、经济结构、市场化程度、物质资本、政府干预、创新和地理区位因素，能够较好地解释区域金融业的发展差异，模型拟合优度高达92%；最后，原因分解结果显示，导致我国区域金融业非均衡发展的主要原因是区域经济规模、区域经济结构、政府干预三个因素。本文的创新之处，一方面在于采用了静态分析和动态分析相结合的方法对我国区域金融业的发展差异进行了度量，另一方面在于本文对影响我国区域金融业发展差异的各种原因进行了原因分解，最后得出其主要的原因。
[Abstract]:Financial industry, as a bridge and hub connecting different markets and different elements, plays a key role in the allocation of market resources and is an indispensable part of credit economy and monetary economy. China's financial industry has experienced the development of reform and opening up for more than 30 years, now it has become a comprehensive development of modern financial industry which integrates banking, securities and insurance. However, as a severe injury of the modern financial industry of our country, there are great differences in the financial structure, the total amount and the financial efficiency of the regional financial industry in our country. This kind of unbalanced development of the regional financial industry, It not only restricts the overall, coordinated and sustainable development of our financial industry, but also restricts the overall, coordinated and sustainable development of our country's economy and society. In the current research of financial theory, most of them are macro-finance and micro-finance, but the research on regional finance is rare. Under this background, this paper is devoted to exploring the unbalanced development of regional financial industry in China. This paper adopts the research method of combining static description analysis with dynamic trend analysis and normative analysis with empirical analysis in order to effectively and objectively reflect the real situation of unbalanced development of regional financial industry in China. The main contents of this paper include four parts: first, this paper summarizes the attributes, theory, motivation and development indicators of regional finance; secondly, Based on the principal component analysis and evolution trend analysis of the financial industry development difference in the three major economic regions of east, west and east in China, this paper makes a regression analysis on the causes of the regional financial disequilibrium in China, and adopts the decomposition method based on regression. In order to judge the main reasons that lead to the unbalanced development of regional financial industry in China, the contribution degree of each regression reason to the regional financial industry development difference is decomposed. Finally, through the above research conclusion, The countermeasures and suggestions to coordinate the development of regional financial industry in China are put forward. The research shows that, first of all, in the current situation, the financial industry development difference between the three regions or within the region is obvious; secondly, the economic scale, economic structure, marketization degree, material capital, the economic scale, the economic structure, the marketization degree, the material capital, the economic scale, the economic structure, the marketization degree, the material capital, The factors of government intervention, innovation and geographical location can explain the development difference of regional financial industry well, and the goodness of fit of the model is as high as 922.Finally, the result of cause decomposition shows that, The main causes of unbalanced development of regional financial industry in China are regional economic scale, regional economic structure and government intervention. The innovation of this paper lies in the combination of static analysis and dynamic analysis to measure the differences in the development of regional financial industry in China. On the other hand, this paper analyzes the reasons that affect the development of regional financial industry in China, and finally comes to the main reasons.
【学位授予单位】：湘潭大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.7

【参考文献】