粤北城镇化进程中的金融服务需求与对策研究

发布时间：2018-05-23 11:14

本文选题：粤北地区 + 城镇化　；参考：《华南理工大学》2014年硕士论文

【摘要】：受历史、区位、政策因素影响，广东省城镇化进程的区域差异明显。截至2012年底，珠三角地区城镇化率达83.84%，粤东、粤西、粤北的城镇化率分别为59.05%、39.72%、45.3%。珠三角城镇化已经步入成熟阶段，粤东西北地区则处于城镇化中期发展阶段，仍有较大的提升空间。以城镇化为切入点，加快粤东西北地区发展，为广东建立新的发展优势，是广东省委、省政府未来一段时期的重要发展战略。金融是经济的核心，加速广东省欠发达地区城镇化进程离不开金融的支持。以粤北为视角，分析城镇化加速阶段各类经济主体的金融服务需求，探讨金融支持城镇化存在的问题和原因，有助于厘清金融支持城镇化发展的思路，并可从金融角度为广东省欠发达地区加速城镇化进程提供决策参考。全文内容包括六章：第一章为绪论，交待文章的研究背景、选题意义以及对国内外研究现状的梳理；第二章为粤北城镇化和金融发展现状分析，主要是从横向和纵向对比分析粤北地区城镇化状况，探讨目前三股推进粤北城镇化发展的动力，从金融组织体系、金融业规模、金融服务产品介绍了粤北地区金融发展状况；第三章为粤北城镇化进程中的金融服务需求，主要分析金融作用于城镇化的三个渠道以及由此衍生的政府、企业、农户等各类经济主体的金融服务需求。第四章为粤北城镇化的金融服务供给现状、问题和原因分析，全面分析了金融服务于粤北城镇化的4种方式、当前推进城镇化过程中金融服务不充分的各种表现和制约金融支持城镇化的各种因素。第五章为对策建议，针对金融支持城镇化过程中存在的问题，提出针对性的对策建议。主要结论有：一、当前粤北地区城镇化水平较低，产业转移、农业产业化、行政引导是当前和未来继续推动粤北城镇化进程的主要动力；二、处于城镇化中期的粤北地区，各经济主体在参与城镇化过程中会产生多样化的金融服务需求，这些需求包括承接产业转移、粤北地区提质扩容、专业镇建设和发展等产生的金融服务需求；三、由于金融业逐利性、金融机构重大轻小、激励机制不足、风险分担和转移机制不完善等，，金融支持粤北城镇化发展仍存在诸多不足。
[Abstract]:Affected by history, location and policy factors, the regional differences of urbanization process in Guangdong Province are obvious. By the end of 2012, the urbanization rate in the Pearl River Delta region had reached 83.840.The urbanization rates in eastern Guangdong, western Guangdong and northern Guangdong were 59.05 and 39.72 respectively. The urbanization of Pearl River Delta has entered the mature stage, while the northwest part of Guangdong Province is in the middle stage of urbanization, and there is still great room for improvement. It is an important development strategy for Guangdong Provincial Party Committee and Provincial Government in the future to speed up the development of northwest Guangdong and establish a new development advantage for Guangdong with urbanization as the starting point. Finance is the core of economy, accelerating the process of urbanization in underdeveloped areas of Guangdong Province can not be separated from the support of finance. From the perspective of northern Guangdong, this paper analyzes the financial service needs of various economic entities in the accelerating stage of urbanization, and probes into the problems and reasons existing in the financial support of urbanization, which is helpful to clarify the ideas of financial support for the development of urbanization. It can provide decision-making reference for accelerating urbanization process in underdeveloped areas of Guangdong province from the financial angle. The full text includes six chapters: the first chapter is the introduction, the research background, the significance of the topic and the research status at home and abroad; the second chapter is the analysis of the current situation of urbanization and financial development in northern Guangdong. Mainly from the horizontal and vertical comparative analysis of the status of urbanization in northern Guangdong, discusses the current three forces to promote the development of urbanization in northern Guangdong, from the financial organization system, the scale of the financial industry, financial services products introduced the financial development of northern Guangdong; The third chapter is the demand for financial services in the process of urbanization in northern Guangdong. It mainly analyzes the three channels of finance acting on urbanization and the financial service needs of the government, enterprises, farmers and other economic entities derived therefrom. The fourth chapter is the present situation, problems and reasons of the financial service supply of the urbanization in northern Guangdong, and analyzes the four ways of the financial services in the urbanization of the north of Guangdong. In the process of promoting urbanization, the financial services are inadequate and the factors that restrict the financial support to urbanization. The fifth chapter is the countermeasures and suggestions, aiming at the problems existing in the process of financial support urbanization. The main conclusions are as follows: first, the current level of urbanization in northern Guangdong is relatively low, industrial transfer, agricultural industrialization, and administrative guidance are the main driving forces to continue to promote the urbanization process in the north of Guangdong at present and in the future; second, the region of northern Guangdong in the middle stage of urbanization, In the process of participating in urbanization, various economic entities will produce diversified demands for financial services, including the demand for financial services arising from the undertaking of industrial transfer, the upgrading and expansion of quality and capacity in northern Guangdong, the construction and development of specialized towns, and so on; third, Due to the profit driven by the financial industry, the financial institutions are light and small, the incentive mechanism is insufficient, the risk sharing and transfer mechanism is not perfect, and so on, there are still many deficiencies in financial support for the development of urbanization in northern Guangdong.
【学位授予单位】：华南理工大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F299.21;F832.7

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