非正规金融与经济增长的关系探析
发布时间：2019-04-03 07:28
【摘要】：非正规金融不仅存在于发展中国家，在拥有完善成熟金融体系的发达国家也存在典型的非正规金融现象。发达国家和发展中国家都存在非正规金融与正规金融并存的“二元金融结构”。在我国经济发展的过程中，出现了两个“悖论”：一是金融体系发展的低水平与经济增长的高速度极不相称，二是非国有经济在高速增长的同时却很少能够从体制内正规金融获得资金支持。非正规金融对这两个“悖论”作出了部分解释。 本文借鉴现代金融发展理论及金融发展与经济增长的理论，运用信息经济学、契约理论和新制度经济学等学科理论作为分析工具阐释了非正规金融产生的内在机制、非正规金融与正规金融之间的关系和我国经济发展过程中的两个“悖论”，，同时探讨了非正规金融促进经济和社会发展的制度效应。然后通过理论分析和实证检验的方法，阐述了非正规金融的资源配置效应和产出效应，论证了非正规金融提高了资金的投资效率，促进了经济增长。最后对我国非正规金融的发展提出政策建议。
[Abstract]:Informal finance exists not only in developing countries, but also in developed countries with mature financial system. Both developed and developing countries have dual financial structure in which informal finance and formal finance coexist. In the process of China's economic development, there are two "paradoxes": one is that the low level of financial system development is not commensurate with the high rate of economic growth. Second, while the non-state-owned economy is growing at a high speed, it is rarely able to obtain financial support from the formal finance within the system. Informal finance gives a partial explanation of these two "paradoxes". Based on the theory of modern financial development and the theory of financial development and economic growth, this paper makes use of the theories of information economics, contract theory and new institutional economics as analytical tools to explain the internal mechanism of the emergence of informal finance. The relationship between informal finance and formal finance and two "paradoxes" in the process of economic development in China are discussed, and the institutional effects of informal finance on promoting economic and social development are also discussed. Then through the method of theoretical analysis and empirical test, this paper expounds the resource allocation effect and output effect of informal finance, and proves that informal finance improves the investment efficiency of capital and promotes the economic growth. Finally, the paper puts forward some policy suggestions on the development of informal finance in China.
【学位授予单位】：广东外语外贸大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832;F124.1
本文编号：2453025
[Abstract]:Informal finance exists not only in developing countries, but also in developed countries with mature financial system. Both developed and developing countries have dual financial structure in which informal finance and formal finance coexist. In the process of China's economic development, there are two "paradoxes": one is that the low level of financial system development is not commensurate with the high rate of economic growth. Second, while the non-state-owned economy is growing at a high speed, it is rarely able to obtain financial support from the formal finance within the system. Informal finance gives a partial explanation of these two "paradoxes". Based on the theory of modern financial development and the theory of financial development and economic growth, this paper makes use of the theories of information economics, contract theory and new institutional economics as analytical tools to explain the internal mechanism of the emergence of informal finance. The relationship between informal finance and formal finance and two "paradoxes" in the process of economic development in China are discussed, and the institutional effects of informal finance on promoting economic and social development are also discussed. Then through the method of theoretical analysis and empirical test, this paper expounds the resource allocation effect and output effect of informal finance, and proves that informal finance improves the investment efficiency of capital and promotes the economic growth. Finally, the paper puts forward some policy suggestions on the development of informal finance in China.
【学位授予单位】：广东外语外贸大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832;F124.1
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本文编号：2453025
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