金融产业结构、产业结构与经济增长—理论与实证研究

发布时间：2018-07-11 12:01

本文选题：金融产业结构 + 产业结构　；参考：《西北大学》2017年硕士论文

【摘要】：当今世界,金融是各国经济的关键。这些年,伴随国际经济、金融的融合,经济逐渐一体化、全球化、加深化,主要把银行、证券、保险与租赁等当做核心组织形式的金融行业逐渐成长为国内经济最为关键、最为重要、最具战略意义的一个行业,也是每个国家需要重点发展的战略性核心产业;金融产业结构是否合理、是否成熟,能够用来评判国家的整个金融产业体系的完善程度,这一领域也开始得到广大学者的关注。当期,我国已步入经济建设的“十三五”时期,改革已步入深水区,“调结构,促发展”为发展的主基调,在这样的政策环境下,为金融产业结构的优化调整,以及对经济增长的影响等方面做出理论分析提供指引性建议意义重大。文章以新经济增长理论、金融发展理论等相关理论为基础,分析了金融产业结构与产业结构以及经济增长之间的联系,阐述了国内金融产业结构的变化过程与存在现状,且和英、美这类发达国家金融产业结构的演变做出对比,综合分析了各国金融产业结构之间的差异及变化状况,以1991～2013年国国内经济时间序列数据为基础,对金融产业结构、产业结构与经济增长内在的联系做出计量分析。研究结果表明:一方面国内金融产业结构与产业结构之间存在相互作用关系,在金融产业中对产业结构优化调整起到主要作用的是银行业和保险业,证券业的作用并不明显;另一方面金融产业结构与经济发展存在相互作用关系,同样主要是银行与保险起到正向推动作用,另外,我国金融产业自身的发展并不协调,结构不够合理。出现证券行业作用不能体现出来的原因是由于本文所采用的指标方法选取的是证券业所持有总资产的占比,而证券业对国民经济的作用主要来源于股票市场与债券市场等等,其总资产并不能够反映出其对经济发展做出的贡献,所以导致上述结果出现。最后以上述实证计量分析结果为奠基,为国内金融产业结构、产业结构与经济增长三者的相互推动,协同发展给出一些政策建议:推动银行业改善经营模式、治理结构,严格监管、防控风险;鼓励支持推进保险业发展,推动金融产业结构多元化进程;大力推动证券业发展,充分发挥资本市场为实体经济服务的作用;构建金融产业结构与经济发展协同共生的机制;本质上改变国内经济增长模式。
[Abstract]:In today's world, finance is the key to each country's economy. In recent years, with the integration of the international economy and finance, the gradual integration, globalization, and deepening of the economy, the financial industry, which regards banking, securities, insurance and leasing as the core forms of organization, has gradually grown into the most critical part of the domestic economy. The most important and most strategic industry is also the strategic core industry that each country needs to focus on; whether the structure of the financial industry is reasonable and mature can be used to judge the degree of perfection of the country's entire financial industry system. This field has also begun to attract the attention of the vast number of scholars. In the current period, China has entered the "13th Five-Year Plan" period of economic construction, and the reform has entered deep water areas. "adjusting the structure and promoting development" is the main tone of development. Under such a policy environment, it is necessary to optimize and adjust the structure of the financial industry. And the impact on economic growth and other aspects of theoretical analysis to provide guiding suggestions of great significance. Based on the theory of new economic growth and the theory of financial development, this paper analyzes the relationship between financial industrial structure, industrial structure and economic growth, and expounds the changing process and existing situation of domestic financial industrial structure. Compared with the evolution of financial industry structure in developed countries such as Britain and the United States, this paper comprehensively analyzes the differences and changes among countries' financial industry structure. Based on the domestic economic time series data from 1991 to 2013, the paper analyzes the financial industry structure. The relationship between industrial structure and economic growth is analyzed quantitatively. The results show that: on the one hand, there is an interactive relationship between the domestic financial industry structure and industrial structure, and the banking and insurance industry play a major role in the optimization and adjustment of the industrial structure in the financial industry, but the role of the securities industry is not obvious; On the other hand, the financial industry structure and the economic development have the interaction relations, also mainly is the bank and the insurance plays the positive promotion function, in addition, our country financial industry own development is not coordinated, the structure is not reasonable. The reason why the role of the securities industry cannot be reflected is that the index method adopted in this paper selects the proportion of the total assets held by the securities industry, while the role of the securities industry in the national economy mainly comes from the stock market and the bond market, and so on. Its total assets do not reflect its contribution to economic development, leading to these results. Finally, based on the results of empirical econometric analysis mentioned above, some policy suggestions are given for the mutual promotion of domestic financial industry structure, industrial structure and economic growth. Strict supervision, prevention and control of risks; encourage support to promote the development of the insurance industry, promote the process of diversification of the financial industry structure, vigorously promote the development of the securities industry, give full play to the role of the capital market for the real economy; To construct the mechanism of coordination and symbiosis between financial industrial structure and economic development, and to change the domestic economic growth mode in essence.
【学位授予单位】：西北大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832;F124.1;F121.3

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