我国所有制结构变迁对非正规金融发展影响的区域差异性研究

发布时间：2018-02-28 12:00

本文关键词： 所有制结构变迁非正规金融地区差异 GMM 协调发展　出处：《重庆大学》2014年硕士论文　论文类型：学位论文

【摘要】：改革开放30多年以来，中国非正规金融发展迅速，货币资金借贷规模不断扩张，同时，我国所有制结构进入深层次改革阶段，市场化水平不断提高，非公有制经济蓬勃发展。然而，非公有制经济发展呈现地区差异的同时，，非正规金融也表现出明显的区域差异性特征。因此，本文在既有研究基础上，探究所有制结构变迁对非正规金融发展影响的区域差异性，有利于为各区域经济金融的发展提供差别化的政策建议。本文研究的主要内容包括：首先，是国内外学者对所有制结构变迁与非正规金融发展的研究综述以及笔者的述评；其次，是对改革开放以来我国东、中、西部地区所有制结构变迁与非正规金融发展的动态趋势与差异性特征进行观察，通过计量发现我国东部地区所有制结构变迁最为深入，同时非正规金融发展水平也最高，中部次之、西部最小，并且在非正规金融发展与所有制结构呈现出的总体差异中带际差异起主导作用。然后，阐述了所有制结构变迁对非正规金融发展影响的一般理论并且猜想所有制结构变迁对非正规金融发展具有正向影响，这种影响在东部地区最大，中西部地区相继减弱；此外，为了对作为制度变量的所有制结构变迁有一个更为深入的理解，还对其内生性进行了讨论。再次，在理论推导的基础上构建了动态面板模型并利用广义矩估计法（GMM）进行了实证检验。最后，根据理论分析与实证检验得出结论。检验结果表明所有制结构变迁对非正规金融发展的影响为正，并且由东向西逐渐递减；而控制变量中收入水平、经济货币化程度对非正规金融的发展存在显著的积极作用，东部地区收入水平与经济货币化程度对非正规金融发展的影响明显高于中西部地区；然而，教育水平与非正规金融发展呈负相关，并且西部地区这一变量对非正规金融发展的影响较大，中、东部相继减小。最后，在上述研究的基础上，基于不同地区所有制结构对非正规金融发展影响的不同，得出了几条有利于地区之间所有制结构变迁与非正规金融协调发展的政策建议。
[Abstract]:Since the reform and opening up more than 30 years ago, China's informal finance has developed rapidly, and the scale of money and fund lending has been continuously expanding. The non-public economy is booming. However, the development of non-public economy presents regional differences, while informal finance also shows obvious regional differences. Therefore, this paper based on the existing research, To explore the regional differences of the influence of ownership structure changes on the development of informal finance is helpful to provide differential policy advice for the development of regional economy and finance. The main contents of this paper are as follows: firstly, it is a summary of the research on the change of ownership structure and the development of informal finance at home and abroad and the author's review; secondly, it is about the east and the middle of China since the reform and opening up. By observing the dynamic trend and difference characteristics of ownership structure change and informal finance development in western China, it is found that the ownership structure changes in the eastern part of China are the most profound, and the level of informal finance development is also the highest. The second is in the middle, the smallest in the west, and plays a leading role in the overall differences in the development of informal finance and the ownership structure. This paper expounds the general theory of the influence of ownership structure change on the development of informal finance and conjectures that ownership structure change has positive influence on informal finance development. This influence is the largest in the eastern region and weakens in the central and western regions. In order to have a deeper understanding of the change of ownership structure as a system variable, we also discuss its endogeneity. Based on the theoretical derivation, the dynamic panel model is constructed and the generalized moment estimation method (GMMM) is used to make an empirical test. Finally, a conclusion is drawn according to the theoretical analysis and empirical test. The results show that the change of ownership structure has a positive effect on the development of informal finance, and gradually decreases from east to west, while the income level in control variables and the degree of economic monetization have significant positive effects on the development of informal finance. The influence of income level and economic monetization on the development of non-formal finance in the eastern region is obviously higher than that in the central and western regions, however, the level of education is negatively correlated with the development of non-formal finance. And the influence of this variable on the development of informal finance is greater in the western region than in the eastern part. Finally, on the basis of the above research, the influence of ownership structure on the development of informal finance in different regions is different. Several policy suggestions are given for the coordinated development of regional ownership structure and informal finance.
【学位授予单位】：重庆大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F121.2;F832

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