区域差异视角下我国所有制结构与非正规金融关系研究

发布时间：2018-06-07 13:45

本文选题：所有制结构 + 非正规金融　；参考：《经济问题探索》2015年11期

【摘要】：改革开放以来,我国非正规金融发展迅速,货币资金借贷规模呈现出扩张态势。我国所有制结构不断改革,不断提高了市场化机制,非公有制经济发展迅速。从区域差异性分析来看,非公有制经济、非正规金融发展呈现出明显的区域差异性特点。在国内外有关所有制结构、非正规金融相关文献基础上,通过构建模型,探究改革开放以来我国东、中、西所有制结构变迁与非正规金融发展的动态发展趋势与差异性特征,呈现出从东到西减弱的发展特征,以动态面板模型、广义矩估计法实证认为所有制结构变迁对非正规金融发展具有正向影响,呈现出由东向西逐渐递减态势;收入水平、经济货币化对非正规金融发展作用积极,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;教育与非正规金融发展地区性呈负相关且相继变大。基于地区间的异质性,不同地区所有制结构对非正规金融发展影响相异性,为各区域经济金融的发展提供差别化的政策建议。
[Abstract]:Since the reform and opening up, China's informal finance has developed rapidly, and the scale of money lending has shown an expanding trend. China's ownership structure has been reformed, the market-oriented mechanism has been continuously improved, and the non-public economy has developed rapidly. From the analysis of regional differences, the development of non-public economy and non-formal finance shows obvious regional differences. On the basis of the literature on ownership structure and informal finance at home and abroad, this paper explores the dynamic development trend and difference characteristics of ownership structure changes and informal finance development in East, Middle and West China since the reform and opening up. With the dynamic panel model and the generalized moment estimation method, it is believed that the change of ownership structure has a positive effect on the development of informal finance, and gradually decreases from east to west. The economic monetization has a positive effect on the development of informal finance, and the income level and the degree of economic monetization in the eastern region have a higher impact on the informal financial development than in the central and western regions. Education is negatively related to the development of non-formal finance and becomes larger one after another. Based on the heterogeneity of different regions, the influence of ownership structure in different regions on the development of informal finance is different, which provides different policy recommendations for the development of regional economy and finance.
【作者单位】：东北电力大学;
【基金】：吉林省哲学社会科学基金项目,“非正规金融与吉林省经济发展研究”(2013BS77)
【分类号】：F121.2;F832

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