山东省区域金融发展差异研究

发布时间：2018-01-01 21:37

本文关键词：山东省区域金融发展差异研究　出处：《山东财经大学》2014年硕士论文　论文类型：学位论文

【摘要】：改革开放以来，我国金融总量持续增长，金融结构发生显著变化。伴随着金融业的快速成长，我国金融发展的区域差异越来越明显，金融资源配置的不平衡性日益严重。本文以山东省为例，对山东各地区金融发展水平进行测度，从规模和效率两个角度研究区域金融发展差异，分析区域金融发展的变化特征并提出政策建议。本文首先选取山东省17个主要城市的人均存款余额、人均贷款余额、人均金融业职工数、金融相关比率、保险密度、保险深度等指标，构建地区金融发展水平综合评价指标体系，并运用因子分析方法对山东省区域金融发展水平及其差异进行综合评价。其次，基于上述实证分析数据，研究归纳山东省区域金融发展差异的原因。最后，从区域金融角度，提出推进山东省金融发展的政策建议。数据显示，山东省17个地市间综合因子得分差距很大、金融发展因子和效率因子得分存在差异、各区域间金融发展不平衡。区域经济发展水平的差异、区域地理区位的差异、区域金融意识的差异、区域金融机构发展程度的差异等因素是影响区域金融发展差异的重要因素。研究建议，，应逐步缩小区域经济发展差异、加强金融中心的辐射力度及培育区域金融发展增长极、培养高素质金融人才、建立多层次的金融市场体系，推动区域金融发展。
[Abstract]:Since the reform and opening up, China's total financial growth, financial structure changed significantly. With the rapid growth of the financial industry, regional differences of China's financial development is more and more obvious, the financial resource allocation imbalance is increasingly serious. Taking Shandong Province as an example, to measure the level of financial development in various regions of Shandong, from the scale and efficiency of the two regional financial development perspective differences, analysis of variation characteristics of regional financial development and policy recommendations.
This article first selected per capita deposits of 17 main city of Shandong Province, the per capita loan balance, per capita financial sector staff number, financial ratio, insurance density, insurance depth index, constructing a comprehensive evaluation index system of regional financial development, using factor analysis and comprehensive evaluation method for Shandong province regional financial development level and differences. Secondly, the empirical analysis based on the data of Shandong Province, the reasons summed up the regional financial development differences. Finally, from the perspective of regional finance, financial development in Shandong province put forward policy suggestions.
Data show that the gap between the comprehensive factor score of 17 cities in Shandong Province, financial development factor and efficiency factor score differences, regional financial development is not balanced. The difference of the level of regional economic development, regional differences in geographical location, regional differences in financial awareness, factors of the development degree of regional financial institutions is an important difference the influencing factors of regional financial development differences. Studies suggest, should gradually reduce the differences of regional economic development, strengthen the radiation intensity of financial center and cultivate regional financial development growth pole, high - quality financial personnel training, the establishment of a multi-level financial market system, promote regional financial development.

【学位授予单位】：山东财经大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.7

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