山西省金融集聚及其对经济增长影响的研究

发布时间：2018-03-12 13:00

本文选题：金融集聚　切入点：区位熵　出处：《中北大学》2014年硕士论文　论文类型：学位论文

【摘要】：在金融业自身高流动性和金融机构追求规模效益的推动下，金融资源不断集中流向某一区域，形成金融集聚现象，其所产生的集聚效应在经济增长中发挥着显著作用，并且在相关研究中已得到了论证，但是研究结果因所选区域不同而存在很大差异，这主要与所选区域金融集聚发展程度有关，所以关于金融集聚对经济增长的影响仍然值得关注和研究，尤其是深入到微观区域层面进行研究。作为一个能源大省，山西省金融业发展程度较低，且地区金融经济发展不均衡，所以研究其地区金融集聚水平及其对经济增长的影响情况，对其金融业的进一步发展以及地区经济增长具有重要现实意义。本文主要研究内容：其一，全面把握山西省金融集聚情况。具体先对山西省金融业现状进行了描述性分析，然后选择区位熵指数法从金融业整体和主要细分行业角度对山西省11个地市2006-2012年金融集聚程度进行了测量和对比分析，最后又从金融总体水平、金融行业、金融基础和经济水平四个层面构建了指标体系，运用因子分析法对山西省11个地市2012年金融集聚力综合水平进行了全面的评价和分析；其二，实证分析山西省金融集聚对经济增长的影响。本文选取山西省11个地市2006-2012年相关数据，通过构建面板数据计量模型，实证检验了山西省金融集聚对经济增长的作用效应大小，同时对比分析了各细分行业即银行业、保险业和证券业集聚对经济增长影响的差异性，并针对实证结果对原因及问题进行了分析和总结。研究发现，山西省整体金融业发展相对落后且各地市金融集聚程度偏低，对经济增长的正向促进作用不大。具体来看，山西省金融集聚程度区位熵测算结果显示太原、阳泉、大同、晋城金融集聚程度较高，其余地市均低于全省平均水平；金融集聚力指标体系综合评价结果显示太原和阳泉金融集聚力最强，与区位熵结果基本一致。进一步，山西省金融集聚对经济增长影响的实证检验结果显示总体上山西省金融集聚对经济增长存在正向促进作用，但作用效果不大，其中主要细分行业中银行业集聚和保险业集聚对经济增长存在显著正向作用，而证券业集聚作用系数未通过显著性检验，上述实证结果主要与山西省各地市金融集聚程度偏低有关，本文针对这一结论进行了具体的原因及问题分析。最后，根据问题提出了相关政策建议，，以期通过加强各地市金融合作，优化金融资源配置效率和金融基础环境来提高山西省金融集聚发展水平，进而推动地区经济增长。
[Abstract]:Driven by the high liquidity of financial industry and the pursuit of scale benefit by financial institutions, financial resources flow to a certain region continuously, forming the phenomenon of financial agglomeration, and the agglomeration effect plays a significant role in the economic growth. And has been demonstrated in the relevant studies, but the results of the study vary greatly according to the selected region, which is mainly related to the degree of regional financial agglomeration development. Therefore, the impact of financial agglomeration on economic growth is still worthy of attention and research, especially in the micro regional level. As a major energy province, Shanxi's financial industry has a low level of development. And the regional financial and economic development is not balanced, so the study of the regional financial agglomeration level and its impact on economic growth has important practical significance for the further development of its financial industry and regional economic growth. The main research contents of this paper are as follows: firstly, it comprehensively grasps the situation of financial agglomeration in Shanxi Province. First of all, it makes a descriptive analysis of the present situation of financial industry in Shanxi Province. Then choose the method of location entropy index to measure and compare the degree of financial agglomeration between 2006 and 2012 in 11 prefectures of Shanxi Province from the perspective of the financial industry as a whole and the main subdivision industries. Finally, from the overall level of finance, the financial industry, The index system is constructed at four levels of financial foundation and economic level, and the comprehensive level of financial agglomeration in 11 cities of Shanxi Province in 2012 is comprehensively evaluated and analyzed by using factor analysis. This paper selects the relevant data from 2006 to 2012 of 11 cities in Shanxi Province, constructs panel data econometric model, and empirically tests the effect of financial agglomeration on economic growth in Shanxi Province. At the same time, the paper compares and analyzes the difference of the influence on the economic growth of the banking, insurance and securities industry agglomeration, and analyzes and summarizes the reasons and problems in view of the empirical results. It is found that the overall financial industry of Shanxi Province is relatively backward and the degree of financial agglomeration in various cities and cities is relatively low, which has little positive effect on economic growth. Specifically, the regional entropy of financial agglomeration degree in Shanxi Province shows that Taiyuan, Yangquan, Datong, Jincheng financial agglomeration degree is relatively high, the other cities are lower than the average level of the province, the comprehensive evaluation results of financial agglomeration index system show that Taiyuan and Yangquan financial agglomeration is the strongest, which is basically consistent with the result of location entropy. The empirical results of the effect of financial agglomeration on economic growth in Shanxi Province show that the financial agglomeration in Shanxi Province has a positive effect on economic growth, but the effect is not significant. Among them, banking agglomeration and insurance agglomeration have significant positive effects on economic growth in the main subdivision industries, while the agglomeration coefficient of securities industry does not pass the significance test. The above empirical results are mainly related to the low degree of financial agglomeration in various cities of Shanxi Province. This paper analyzes the specific reasons and problems of this conclusion. Finally, the paper puts forward relevant policy recommendations according to the problems. The aim is to improve the development level of financial agglomeration in Shanxi Province by strengthening the financial cooperation among prefectures and cities, optimizing the efficiency of financial resources allocation and the financial basic environment, and then promoting the regional economic growth.
【学位授予单位】：中北大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F127;F832.7

【引证文献】