区域金融生态环境对家庭债务规模变动的影响研究

发布时间：2018-09-07 13:37

【摘要】：“金融生态”是由生态学的概念仿生而来,许多学者研究发现各区域金融生态环境与各经济主体之间存在密切的相互作用,良好的金融生态环境能够促进金融业健康、全面发展,提高金融运作的效率与效益。随着亚洲金融危机和美国次贷危机的大爆发,家庭债务问题已成为债务经济学研究领域重点关注的问题。本文对我国家庭债务规模变动的动态发展进行的深入研究,尤其是家庭债务规模与金融生态环境的关系等问题,将有助于政府更有效地改善区域金融生态环境质量,强化家庭债务风险预防和管理意识。因此,本文从区域金融生态环境的视角,考察其对家庭债务规模变动的影响,具有重要的理论与现实意义。本文基于金融生态环境理论、家庭借贷规模理论,综合运用文献研究法、理论与实证分析法、层次分析法等多种研究方法,考察了区域金融生态环境对家庭债务规模变动的影响。本文通过定性和定量分析构建了各省市区域金融生态环境指标体系,并进行了各准则层的权重确定,然后根据金融生态环境和家庭债务规模变动趋势,进行了区域分布与敛散性分析,采用30个省级区域2006-2013年的相关统计数据,通过构建动态面板模型,并运用系统GMM估计方法,考察了区域金融生态环境对家庭债务规模变动的影响,并对其相应的影响机理展开了理论分析。研究表明:(1)金融生态环境对家庭债务规模变动具有显著的正向影响。无论是总体回归,还是分区域回归,金融生态环境变量的回归系数都为正,且都在1%的显著性水平下显著。(2)区域金融生态环境状况不同,金融生态环境与家庭债务规模变动的关系程度也会存在明显差异,金融生态环境较好区域(Ⅰ区和Ⅱ区)的金融生态环境对家庭借贷规模的影响程度要高于金融生态环境较差区域(Ⅲ区)。(3)金融生态环境评价指标体系中各准则层变量对家庭债务规模变动的影响各异,且各区域间的差异化程度较明显。本文从区域金融生态环境的视角考察了金融生态环境内部各准则层对家庭债务规模变动的影响及其内在机理,是对已有研究的拓展和丰富,本文的研究为研究家庭部门的债务问题提供了理论支持,具有较为重要的学术价值。本文针对区域金融生态环境与治理以及家庭债务管理中存在的一些问题,对金融机构,政府和家庭部门等提出了相应的政策建议,这样有利于促进区域金融生态环境的健康长远发展,能够为家庭主体的债务问题提供一定的借鉴。
[Abstract]:The concept of "financial ecology" is bionic from the concept of ecology. Many scholars have found that there is a close interaction between the regional financial ecological environment and various economic entities, and a good financial ecological environment can promote the health of the financial industry. Comprehensive development to improve the efficiency and effectiveness of financial operations. With the outbreak of the Asian financial crisis and the subprime mortgage crisis in the United States, household debt has become the focus of attention in the field of debt economics. This paper makes an in-depth study on the dynamic development of the scale change of household debt in China, especially on the relationship between the scale of household debt and the financial ecological environment, which will help the government to improve the quality of regional financial ecological environment more effectively. Strengthen household debt risk prevention and management awareness. Therefore, it is of great theoretical and practical significance to study the impact of regional financial ecological environment on the scale of household debt from the perspective of regional financial ecological environment. This paper is based on the theory of financial ecological environment, the scale of household lending, the comprehensive use of literature research, theoretical and empirical analysis, analytic hierarchy process and other research methods. The influence of regional financial ecological environment on the scale of household debt was investigated. In this paper, the index system of regional financial ecological environment is constructed by qualitative and quantitative analysis, and the weights of each criterion layer are determined, and then according to the trend of change of financial ecological environment and household debt scale, This paper analyzes the regional distribution and convergence, adopts the relevant statistical data of 30 provincial regions from 2006 to 2013, constructs the dynamic panel model, and applies the systematic GMM estimation method. The influence of regional financial ecological environment on the scale of household debt is investigated, and the corresponding mechanism is analyzed theoretically. The results show that: (1) the financial ecological environment has a significant positive impact on the scale of household debt. The regression coefficients of the financial ecological environment variables are all positive, and all of them are significant at the level of 1% significance. (2) the regional financial ecological environment is different. There will also be significant differences in the relationship between the financial ecological environment and the changes in the scale of household debt. The influence of the financial ecological environment on the scale of household borrowing in the regions with better financial ecological environment (districts 鈪，

本文编号：2228417