提高我国居民财产性收入的金融路径分析

发布时间：2018-01-03 21:24

本文关键词：提高我国居民财产性收入的金融路径分析　出处：《天津财经大学》2013年硕士论文　论文类型：学位论文

【摘要】：近年来,随着我国经济建设进程的不断推进,居民的生活质量得到显著的提高,需求层次产生了新的变化。国民收入在政府、企业和家户部门之间的三次分配最终形成居民的可支配收入,在满足基本的生存和生理需要后,作为资金盈余单位的居民手中有了大量的财富剩余,如何将财富转化为资本成为当前摆在我国经济面前的重大问题。金融作为现代经济的核心,具有融通资金和优化资源配置功能,资金通过金融机制一方面满足生产部门的融资需求,另一方面为居民的闲置资金增加了投资渠道,帮助居民实现财富的保值增值,金融也是当前我国居民财产性收入实现和增加的主要路径。论文在整合经济学主要流派的财产性收入理论的基础上,结合金融支持经济的一般理论,从金融视角研究提高居民财产性收入的路径。首先,对我国居民财产性收入的内容进行概括,总结出收入形成的金融市场基础、金融政策和法律基础、金融观念基础和物质基础；其次,对提高我国居民财产性收入的必要性和可能性进行分析,从总量和结构两个方面进行特征阐述；再次,选取金融市场中与居民收入关联度较高的存款、证券运用和保险运用指标构建向量自回归模型。实证结果表明,当前我国信贷市场对财产性收入的支持较为稳定,长期的贡献度有所降低,证券市场对财产性收入总体影响较小,且波动幅度较大,保险市场所占份额较小,长期有逐渐扩大的趋势,我国应稳定信贷市场、规范证券市场、强化保险市场对居民财产性收入提高的作用。最后,论文在以上分析的基础上,基于居民财产性收入形成基础和实证分析结果提出对策和建议,即：充分发挥市场性金融支持路径的主导作用、灵活运用政策性金融支持路径的协调作用。
[Abstract]:In recent years, with the continuous progress of economic construction in China, the quality of life of the residents has been significantly improved, the level of demand has produced a new change. National income in the government. The third distribution between the enterprise and the household sector ultimately forms the disposable income of the residents. After meeting the basic survival and physiological needs, the residents, as the surplus units of funds, have a large amount of surplus wealth in their hands. How to turn wealth into capital has become a major problem in China's economy. As the core of modern economy, finance has the function of financing and optimizing the allocation of resources. Funds through the financial mechanism on the one hand to meet the financing needs of the production sector, on the other hand, the idle funds for residents to increase investment channels to help residents achieve wealth preservation and appreciation. Finance is also the main way to realize and increase the property income. On the basis of integrating the property income theory of the main schools of economics, combined with the general theory of financial support economy, this paper studies the ways to improve the residents' property income from the financial perspective. The content of property income of Chinese residents is summarized, and the financial market basis, financial policy and legal basis, financial concept foundation and material foundation of income formation are summarized. Secondly, it analyzes the necessity and possibility of raising the property income of the residents in our country, and expounds the characteristics from two aspects: the total amount and the structure. Thirdly, we choose the deposit, securities and insurance application index in the financial market to build the vector autoregressive model. The empirical results show that. At present, the credit market of our country supports the property income more stably, the long-term contribution degree is reduced, the overall influence of the securities market on the property income is small, and the fluctuation range is large, the share of the insurance market is small. There is a trend of gradual expansion for a long time, China should stabilize the credit market, regulate the securities market, strengthen the role of the insurance market in the increase of residents' property income. Finally, the paper on the basis of the above analysis. Based on the basis of the formation of residents' property income and the results of empirical analysis, the paper puts forward some countermeasures and suggestions, that is, to give full play to the leading role of the market financial support path, and to make flexible use of the coordinating role of the policy financial support path.
【学位授予单位】：天津财经大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F124.7;F832.5

【参考文献】