福建省金融生态运行态势与对策

发布时间：2018-07-26 08:03

【摘要】：随着地方金融在地方经济发展中地位的不断提升和正向影响力的不断扩大，如何提升区域内部的金融生态环境促进当地金融业的良性发展便成了省域经济发展中不可回避的话题。由于金融资源有较强的流动性，再加上福建省地处东部沿海紧邻长三角经济区与珠三角经济区，如何在两大经济区的强大辐射下提升自己的金融生态环境，聚集自身的金融资源，便成了福建省未来经济发展的重中之重。本文采用统计分析与时间序列模型相结合、静态分析与动态研究相结合的方法，系统全面的对福建省金融生态运行态势和特点进行统计分析和实证研究，结合其存在的问题提出若干优化福建省金融生态的对策建议。首先，本文对区域金融生态系统的概念、结构、运行机制及运行态势判断依据进行定义和阐释，作为统计分析和实证研究的理论基础。其次，选择金融业在当地经济中的地位、银行系统、证券系统、保险系统等四个方面相关指标，通过与全国平均水平和江苏省进行比较，对福建省金融生态运行态势进行统计分析和研究。再次，运用熵权法对东南沿海六省金融生态运行态势进行评价和比较，以选择度量区域金融生态运行态势的指标作为被解释变量，通过误差修正模型对影响福建省金融生态运行态势的主要因素进行实证分析。最后，根据统计分析和实证研究结果提出优化福建省金融生态运行态势的若干对策建议。论文研究得出的主要结论是：（1）通过与沿海六省的金融生态环境相对比，福建省金融生态的运行态势还处于相对落后的位置，，排在六省中的第五位；（2）结合福建省实际情况对金融生态评价指标中权重最高的指标（金融业增加值占地区生产总值比重）的影响因素进行深度挖掘。从长期均衡的角度出发，发现金融机构存贷比（即贷款余额/存款余额）、固定资产投资来源中的国内贷款占国内贷款与自筹资金之和的比重以及金融机构中长期贷款占贷款余额的比重均对该指标产生正向影响。（3）结合实证分析对福建省金融生态主体与金融生态系统运行机制提出合理的优化对策。
[Abstract]:With the increasing status and positive influence of local finance in local economic development, How to promote the regional financial ecological environment to promote the benign development of the local financial industry has become an unavoidable topic in the development of provincial economy. Due to the strong fluidity of financial resources and the fact that Fujian Province is located in the eastern coastal area adjacent to the Yangtze River Delta Economic Zone and the Pearl River Delta Economic Zone, how to improve its own financial ecological environment under the strong radiation of the two major economic zones, Gather oneself financial resource, became the most important of future economic development of Fujian Province. This paper combines the statistical analysis with the time series model, the static analysis with the dynamic research, systematically and comprehensively carries on the statistical analysis and the demonstration research to the Fujian Province finance ecology movement situation and the characteristic. Combined with its existing problems, some countermeasures and suggestions for optimizing Fujian's financial ecology are put forward. Firstly, this paper defines and interprets the concept, structure, operating mechanism and operational situation of regional financial ecosystem, which is the theoretical basis of statistical analysis and empirical research. Secondly, select the financial industry's position in the local economy, the banking system, the securities system, and the insurance system, and compare them with the national average and Jiangsu Province. To Fujian Province financial ecology movement situation carries on the statistical analysis and the research. Thirdly, using entropy weight method to evaluate and compare the operating situation of financial ecology in six provinces along the southeast coast, taking the index of measuring regional financial ecological situation as the explanatory variable. Based on the error correction model, this paper analyzes the main factors that affect the financial ecological situation in Fujian Province. Finally, according to the results of statistical analysis and empirical research, some countermeasures and suggestions are put forward to optimize the situation of financial ecology in Fujian Province. The main conclusions of this paper are as follows: (1) compared with the financial ecological environment of the six coastal provinces, Fujian Province is still in a relatively backward position, ranking fifth among the six provinces; (2) combined with the actual situation of Fujian Province, this paper deeply excavates the influential factors of the most important index of financial ecological evaluation (the proportion of financial value added to the regional gross domestic product). From the perspective of long-term equilibrium, It is found that the ratio of deposit to loan of financial institutions (that is, loan balance / deposit balance), the proportion of domestic loans in fixed asset investment sources to the sum of domestic loans and self-financing, and the proportion of medium- and long-term loans of financial institutions to loan balances are all found. (3) combining with the empirical analysis, the author puts forward the reasonable optimization countermeasures to the financial ecological main body and the financial ecosystem operating mechanism of Fujian Province.
【学位授予单位】：华侨大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.7;F224

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