河南省金融结构对金融效率影响研究

发布时间：2018-06-21 00:54

本文选题：金融结构 + 金融效率　；参考：《郑州大学》2014年硕士论文

【摘要】：改革开放三十多年,中国经济取得了较大的发展,金融充分发挥了国民经济命脉的作用,区域金融效率得到了不断的提升。但是,金融总量对经济发展的拉动效应毕竟有限,原有的量性发展方式已经难以应对如今金融形势的多变性和复杂性,金融结构的不均衡已经成为制约我国区域经济和金融发展的根源性问题。河南省在中部崛起战略中处于核心地位,其经济的快速腾飞需要发挥金融的联动作用,为实体产业注入源源不断的动力。而河南省金融发展水平较低,金融结构的单一使得金融资源无法得到充分的配置,故对河南省金融结构及金融效率的研究,分析河南省的整体经济金融发展状况,可以突破现有的局限性,为经济和金融发展找到新的增长点。金融结构主要从微观和宏观两种路径影响金融效率。微观路径方面,金融结构的优化会增加金融工具种类和数量,提升金融机构自身的经营水平,改变企业的融资方式,完善金融市场的价格机制,提升金融机构及金融市场的运作效率。宏观路径方面,金融结构的优化会改变货币政策工具的选择及传导机制,也会对金融监管提出新的挑战,提高金融发挥资源配置的效率。河南省的金融效率在宏观方面的储蓄投资转化率及微观方面的金融机构经营效率方面都表现出效率低下的现象,其原因在于河南省金融结构在融资模式结构、行业市场结构、金融功能结构等方面存在着单一化等失衡或者扭曲的状况。河南省这种银行主导型与政府主导型结合的金融结构,在金融发展之初对经济有较大的推动作用,但区域经济发展到一定程度,两者的结合会极大地消弱金融系统的效率和抗风险能力。从金融市场的机构结构及融资工具结构为切入点,构建河南省金融结构指标体系,分析其对宏观金融效率和微观金融效率的影响程度。因子分析方法将河南省金融结构指标分为金融工具结构和金融市场结构,其中金融工具结构优化对河南省宏观和微观金融效率都有较为明显的正向影响,金融市场结构的优化对宏观和微观金融效率的影响却很微弱。河南省应主要从改善直接和间接融资市场融资工具结构方面入手来提升河南省金融效率,拓宽企业发展的融资渠道。另外,在优化河南省金融工具结构的同时,还需要优化河南省金融市场中介结构,促进国有银行效率的提升。
[Abstract]:More than 30 years of reform and opening up, China's economy has made great progress, finance has fully played the role of the lifeline of the national economy, and regional financial efficiency has been continuously improved. However, the pulling effect of the total amount of finance on economic development is after all limited, and the original quantitative development mode can no longer cope with the variability and complexity of the current financial situation. The imbalance of financial structure has become the root problem restricting the development of regional economy and finance in China. Henan Province is in the core position in the strategy of the rise of central China. The rapid development of its economy needs to give play to the role of financial linkage and inject an endless stream of power into the real industry. However, the level of financial development in Henan Province is low, and the single financial structure makes the financial resources unable to be fully allocated. Therefore, the research on the financial structure and financial efficiency of Henan Province is carried out to analyze the overall economic and financial development of Henan Province. Can break through the existing limitations, for economic and financial development to find a new growth point. Financial structure mainly from micro and macro two ways to affect financial efficiency. As far as the micro path is concerned, the optimization of financial structure will increase the types and quantity of financial instruments, improve the management level of financial institutions, change the financing methods of enterprises, and improve the price mechanism of financial markets. Improve the efficiency of financial institutions and financial markets. In macro path, the optimization of financial structure will change the choice and transmission mechanism of monetary policy tools, and will bring new challenges to financial supervision and improve the efficiency of financial resource allocation. The financial efficiency of Henan Province shows the phenomenon of low efficiency in the macro aspect of savings and investment conversion rate and in the micro aspect of financial institutions' operating efficiency. The reason is that the financial structure of Henan Province is in the financing mode structure and the industry market structure. There is imbalance or distortion in financial function structure and so on. The combination of bank-oriented and government-led financial structure in Henan Province has played a greater role in promoting the economy at the beginning of financial development, but the regional economy has developed to a certain extent. The combination of the two greatly weakens the efficiency and risk tolerance of the financial system. Based on the institutional structure and financing tool structure of financial market, this paper constructs the index system of financial structure in Henan Province, and analyzes its influence on the macro-financial efficiency and micro-financial efficiency. The index of financial structure in Henan Province is divided into financial instrument structure and financial market structure by factor analysis, in which the optimization of financial instrument structure has obvious positive influence on the macro and micro financial efficiency of Henan Province. The optimization of financial market structure has little effect on macro and micro financial efficiency. Henan should improve the financial efficiency of Henan Province and broaden the financing channels for the development of enterprises from the aspects of improving the structure of financing instruments in direct and indirect financing markets. In addition, while optimizing the structure of financial instruments in Henan Province, it is also necessary to optimize the intermediary structure of financial market in Henan Province to promote the efficiency of state-owned banks.
【学位授予单位】：郑州大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.7

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