区域比较视角下中国金融服务业竞争力研究

发布时间：2018-07-30 07:05

【摘要】：在全球金融化发展速度越来越快的情况下,金融服务业已经处于现代经济的核心地位,在促进当今社会经济发展的要素之中居于主要地位。金融服务业的竞争力现在已经可以衡量一个国家或地区经济发展水平。因此,对金融服务业的竞争力的分析研究,对促进经济发展具有十分重要的意义。目前,我国区域经济发展不均衡较为突出,中国的地势是从西向东逐渐降低,但是经济的发展水平却与之相反,而金融服务业的发展水平也是如此趋势的特点。随着经济发展的步伐愈来愈快,我国区域经济发展的不均衡状态并没有缓和,反而愈来愈剧烈,与之相对应的金融服务业的差距也是这种趋势。本文研究借鉴了包括区域经济、区域金融以及产业竞争的相关理论和成果,在实证研究方法则采用了主成分分析法,选取了包括金融相关率、银行业金融业金融机构的存贷比、保费收入、保险深度、上市公司数以及证券化率几个指标构成相关的指标体系,以此来评价中国各区域以及省级区域的金融服务业的竞争力水平。论文首先对文章所涉及到的一些重要理论进行梳理,接着对中国金融服务业的现状进行分析,将金融服务业分为银行业、证券业以及保险业。通过对中国金融服务业现状的分析,从中选取对金融服务业的竞争力的影响较大的评价指标。接下来根据金融统计年鉴以及各省统计年鉴的数据,通过主成分分析法对中国各区域间的金融服务业的竞争力做比较。在得出结果之后,对产生这种结果的原因进行分析,认为主要包括历史因素、经济发展因素以及金融服务业的体制机制的因素。最后,对如何提升区域内金融服务业的竞争力提出建议,包括金融服务业的创新,金融服务业的产业结构优化以及区协同发展等。
[Abstract]:With the rapid development of the global financialization, the financial service industry has been in the core position of modern economy, and occupies the main position among the factors that promote the social and economic development. The competitiveness of financial services industry can now measure the level of economic development of a country or region. Therefore, the analysis of the competitiveness of the financial services industry is of great significance to promote economic development. At present, the imbalance of regional economic development in China is more prominent, the terrain of China is gradually decreasing from west to east, but the level of economic development is opposite, and the development level of financial service industry is also the characteristics of such a trend. As the pace of economic development is getting faster and faster, the unbalanced state of regional economic development in China has not eased, but has become more and more violent, and the corresponding gap in the financial services industry is the same trend. This paper draws lessons from the relevant theories and achievements of regional economy, regional finance and industrial competition, adopts principal component analysis in the empirical research method, and selects the ratio of financial correlation and the deposit-loan ratio of banking financial institutions. Insurance premium income, insurance depth, the number of listed companies and securitization rate constitute the related index system to evaluate the competitiveness of the financial services industry in various regions and provinces of China. This paper firstly combs some important theories involved in the article, then analyzes the present situation of China's financial service industry, and divides the financial service industry into banking, securities and insurance. Through the analysis of the present situation of China's financial service industry, the evaluation index which has a great influence on the competitiveness of the financial service industry is selected. Then according to the data of the financial statistics yearbook and the provincial statistical yearbooks, this paper compares the competitiveness of the financial services industry among the regions in China by principal component analysis. After getting the result, the author analyzes the reasons for the result, and points out that it mainly includes historical factors, economic development factors and the institutional mechanism of financial service industry. Finally, some suggestions are put forward on how to improve the competitiveness of the financial service industry in the region, including the innovation of the financial service industry, the optimization of the industrial structure of the financial service industry and the coordinated development of the region.
【学位授予单位】：辽宁大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832

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