宁夏金融发展、企业家精神与经济增长关系研究

发布时间：2018-04-15 21:03

本文选题：宁夏 + 金融发展　；参考：《西北民族大学》2017年硕士论文

【摘要】：企业家精神是推动经济增长的动力之一,在当前鼓励"大众创业、万众创新"的环境下,企业家精神的培育就显得更为重要。同时,经济增长也离不开金融的支持,一个发展良好的金融体系有助于优化资源配置,缓解信贷约束。早在1912年,Schumpeter就对"金融本质"做出过阐述,认为其本质是甄选出最具创新潜力的企业家,并为他们提供资金上的支持。此后关于"金融发展、企业家精神与经济增长"的研究有所停滞,直到几十年以后,金融发展理论又重新开始强调金融发展的核心应该回归到"金融本质"上来。因而,构建一个有利于培育企业家精神的金融体系对于促进地区经济增长而言是非常必要的。目前,学术界已有大量关于这一问题的研究,但国外学者比较注重发达国家间的比较,我国学者也很少针对某一个体省份进行研究,将民族地区作为研究对象的更是少之又少。宁夏回族自治区兼具民族地区与西部落后地区的双重身份,近年来,随着市场经济改革进程的加快,宁夏的经济社会发展有了明显进步,初步建立起了现代金融体系,企业家精神也得到了一定程度的释放。本文基于金融发展、企业家精神和经济增长的相关理论,借鉴现有研究成果,界定了本文的研究范畴。然后从金融发展规模、金融发展效率和证券市场发展情况三个方面选取了反映宁夏金融发展水平的指标,并用自我雇佣率和人均(万人)新建企业率衡量了宁夏的企业家精神。接着利用2000-2015年宁夏金融发展、企业家精神和经济增长的相关数据,通过单位根检验和协整检验对宁夏金融发展、企业家精神与经济增长的关系进行实证分析,得出以下五点结论:第一,金融规模的扩张不仅没有促进宁夏的经济增长,反而对其产生了不利影响;第二,金融发展效率的提升显著促进了宁夏经济增长;第三,资本市场的发展有助于推动宁夏经济增长;第四,企业家精神是宁夏经济增长的源泉之一;第五,宁夏的金融发展过程并没有对企业家精神的培育形成强有力的支持,因而阻碍了经济增长。最后,本文认为宁夏下一步金融改革的关键在于构建一个有利于培育企业家精神的金融体系,并提出了如下六点对策建议:发展中小型金融机构;完善银行信贷管理和利率定价机制;创新金融产品和服务;加快资本市场发展;放松金融管制;健全风险分担和补偿机制。
[Abstract]:Entrepreneurship is one of the driving forces to promote economic growth. In the current environment of encouraging "mass entrepreneurship and mass innovation", the cultivation of entrepreneurship becomes more and more important.At the same time, economic growth can not be separated from financial support. A well-developed financial system helps to optimize resource allocation and ease credit constraints.As early as 1912 Schumpeter described the essence of finance as selecting the most innovative entrepreneurs and providing them with financial support.Since then, the research on "financial development, entrepreneurship and economic growth" has stagnated, until a few decades later, the theory of financial development began to emphasize the core of financial development should return to the "financial essence".Therefore, it is necessary to build a financial system conducive to fostering entrepreneurship in order to promote regional economic growth.At present, there has been a large number of academic research on this issue, but foreign scholars pay more attention to the comparison between developed countries, Chinese scholars also rarely study a certain individual province, and the minority areas as the object of study is even less.The Ningxia Hui Autonomous region has both the identity of the minority areas and the backward areas in the west. In recent years, with the acceleration of the reform process of the market economy, the economic and social development of Ningxia has made remarkable progress, and a modern financial system has been preliminarily established.Entrepreneurship has also been released to a certain extent.Based on the theories of financial development, entrepreneurship and economic growth, this paper defines the scope of this paper by referring to the existing research results.Then the paper selects the indexes reflecting the level of financial development in Ningxia from three aspects: the scale of financial development, the efficiency of financial development and the development of securities market, and measures the entrepreneurship of Ningxia by using the self-employment rate and the rate of new enterprises per capita (10,000 people).Based on the data of financial development, entrepreneurship and economic growth in Ningxia from 2000 to 2015, this paper analyzes the relationship between financial development, entrepreneurship and economic growth through unit root test and cointegration test.The following five conclusions are drawn: first, the expansion of financial scale not only does not promote the economic growth of Ningxia, but has a negative impact on it; second, the improvement of financial development efficiency has significantly promoted the economic growth of Ningxia; third,The development of the capital market helps to promote economic growth in Ningxia; fourth, entrepreneurship is one of the sources of economic growth in Ningxia; fifth, the financial development process in Ningxia has not given strong support to the cultivation of entrepreneurship.This hinders economic growth.Finally, the paper thinks that the key of Ningxia's next financial reform is to build a financial system which is conducive to cultivating entrepreneurship, and puts forward the following six countermeasures: developing small and medium-sized financial institutions;We will improve bank credit management and interest rate pricing mechanisms; innovate financial products and services; speed up the development of capital markets; relax financial controls; and improve risk-sharing and compensation mechanisms.
【学位授予单位】：西北民族大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.7;F127;F279.27

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