陕西省金融发展与经济增长的关系研究

发布时间：2018-03-01 13:05

本文关键词： 陕西省金融发展经济增长协整分析因果关系　出处：《西安科技大学》2014年硕士论文　论文类型：学位论文

【摘要】：金融作为经济增长的一个变量越来越受重视，特别是金融深化理论提出后，，许多政府将金融作为发展当地经济的一个重要途径。目前关于金融发展与经济增长关系的国内外研究很多，但大多是从国别层面来研究二者之间的关系。近年来也有许多学者从区域层面以及以省为单位来研究二者之间的关系。由于所选择的年份、指标、区域的不同，学者们所得的研究结论也不同。本文正是以此为出发点来研究二者之间的关系。本文首先介绍了金融发展与经济增长的相关理论并对国内外相关文献进行了综述。对陕西省金融发展与经济增长的历史数据进行了描述性统计并对现状进行了分析。得出的主要结论为：陕西省的经济在不断地增长，产业优化度在不断地上升，但是还处于全国的平均水平之下；城镇化水平在不断地提高，农民与城镇居民的收入差距越来越大，出现了二元经济；陕西省的金融业增加值在近20年的时间里增加了29倍；金融机构存、贷款年末余额都在不断地上升，但是存贷差越来越大，金融机构的效率不高；金融机构的信贷资金出现了长期化趋势；1993年保险业体制改革后，陕西省的保险业飞速发展。接着本文分析了金融发展与经济增长的作用机制并对二者的关系进行了实证研究。在实证部分，本文选取陕西省1980-2013年金融发展与经济增长的数据，用单位根检验、VAR模型、协整检验、误差修正模型以及格兰杰因果关系检验的计量方法对二者的关系进行了实证研究。所得结论为：陕西省的金融发展与经济增长目前还处于“需求拉动型”，金融发展滞后于经济增长；金融机构将存款转化为贷款的能力越强，对经济增长的抑制作用越大；陕西省的保险市场的发展规模与经济增长相互促进。最后本文根据现状分析以及实证分析得出的结论提出了四条对策建议：提高陕西省经济发展水平以带动地方金融的发展；放松政府对金融机构的管制促进金融自由发展；加快保险机构的改革提高保险业的经营水平；构建多层次资本市场体系。
[Abstract]:As a variable of economic growth, finance has been paid more and more attention, especially after the theory of financial deepening was put forward. Many governments regard finance as an important way to develop the local economy. At present, there are many domestic and foreign studies on the relationship between financial development and economic growth. In recent years, many scholars have studied the relationship between the two at the regional level as well as at the provincial level. The research results are also different. This paper studies the relationship between the two as a starting point. This paper first introduces the related theories of financial development and economic growth, and summarizes the relevant literature at home and abroad. It also makes descriptive statistics on the historical data of financial development and economic growth in Shaanxi Province and makes a survey of the present situation. The main conclusion is that the economy of Shaanxi Province is growing continuously. The degree of industrial optimization is constantly rising, but still below the national average level, the level of urbanization is constantly improving, the income gap between farmers and urban residents is increasing, and the dual economy has emerged. The added value of financial industry in Shaanxi Province has increased by 29 times in the past 20 years, the balance of financial institutions at the end of the year has been rising, but the difference between deposit and loan is increasing, and the efficiency of financial institutions is not high. In 1993, the insurance industry of Shaanxi Province developed rapidly after the reform of insurance system. Then this paper analyzes the mechanism of financial development and economic growth and makes an empirical study on the relationship between them. In the empirical part, this paper selects the data of financial development and economic growth from 1980 to 2013 in Shaanxi Province, and tests the VAR model with unit root. Cointegration test, The error correction model and Granger causality test are used to study the relationship between them. The conclusions are as follows: the financial development and economic growth in Shaanxi Province are still in the "demand-driven" mode, and the financial development is still in the "demand-driven" mode. The development lags behind the economic growth; The stronger the ability of financial institutions to convert deposits into loans, the greater the restraining effect on economic growth, and the mutual promotion between the development scale of insurance market and economic growth in Shaanxi Province. Finally, according to the analysis of the present situation and the conclusion of the empirical analysis, this paper puts forward four countermeasures and suggestions: to improve the level of economic development in Shaanxi Province in order to promote the development of local finance, to relax the government's control on financial institutions and to promote the free development of finance; Speed up the reform of insurance institutions and improve the management level of the insurance industry; build a multi-level capital market system.
【学位授予单位】：西安科技大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.7;F127

【参考文献】