甘肃省金融生态环境对信贷资金配置效率影响的研究

发布时间：2018-03-04 18:33

本文选题：甘肃　切入点：金融生态环境　出处：《兰州大学》2013年硕士论文　论文类型：学位论文

【摘要】：在以间接金融为主的甘肃,银行信贷资金实至名归的成为其国民经济发展血液,支撑着该地区的经济增长。但资金作为一种资源与生俱来具有稀缺性,因而,不断提高信贷资金的配置效率成为银行业一项重要的金融使命。银行信贷资金配置效率的高低既取决于银行内部金融环境,也受诸如经济发展水平、法律环境、社会诚信、政府行为等与金融体系紧密相关的外部社会经济环境的影响。对甘肃省金融生态环境影响因素的考察,有助于提高甘肃省银行信贷资金配置效率的水平,进而更有效的发挥信贷资金对甘肃省经济发展的促进作用。本文共分为七个部分。第一部分导论主要阐述了文章的研究背景、意义和研究综述以及研究思路、方法；第二部分在界定金融生态环境和信贷资金配置效率涵义的基础上,对与二者紧密相关的金融生态理论和资源配置效率理论进行了概述；第三部分利用Wurgler模型对甘肃省信贷资金配置效率进行了测度；第四部分分别对甘肃省五个金融生态子环境：经济发展水平、文化信用环境、法律环境、市场中介、政府行为测评的基础上,对甘肃省整体的金融生态环境水平进行了考察；第五部分从理论角度分析了金融生态环境对信贷资金配置效率影响的机理；第六部分运用时间序列模型就甘肃省金融生态环境对信贷资金配置效率的影响进行了实证检验。结果显示经济发展水平、文化信用环境、法律环境、市场中介、政府行为对甘肃省信贷资金配置效率的影响分别为：37.54%、19.24%、10.75%、12.42%、9.09%。第七部分根据实证检验结论提出了改善甘肃省金融生态环境,以提高甘肃省信贷资金配置效率的对策建议。
[Abstract]:In Gansu Province, which is dominated by indirect finance, bank credit funds are worthy of becoming the blood of the development of the national economy and supporting the economic growth of the region. However, as a kind of natural resources, funds are inherently scarce, so, Increasing the allocation efficiency of credit funds has become an important financial mission for the banking industry. The allocation efficiency of bank credit funds depends not only on the bank's internal financial environment, but also on the level of economic development, the legal environment and social integrity. The influence of the external social and economic environment closely related to the financial system. The investigation of the influencing factors of the financial ecological environment in Gansu Province will help to improve the efficiency of the allocation of credit funds in the banks of Gansu Province. And then more effectively play the role of credit funds to promote the economic development of Gansu Province. This paper is divided into seven parts. The first part mainly describes the research background, significance, research review, research ideas and methods. The second part is based on the definition of financial ecological environment and the efficiency of credit allocation. This paper summarizes the theory of financial ecology and resource allocation efficiency which is closely related to the two theories. The third part measures the efficiency of credit allocation in Gansu Province by using Wurgler model. On the basis of the evaluation of the economic development level, the cultural credit environment, the legal environment, the market intermediary and the government behavior, the financial ecological environment level of Gansu province is investigated in 4th part. Part 5th analyzes the mechanism of the influence of the financial ecological environment on the efficiency of the allocation of credit funds from the theoretical point of view; Part 6th uses time series model to empirically test the effect of financial ecological environment on the efficiency of credit allocation in Gansu Province. The results show that the level of economic development, the cultural credit environment, the legal environment, the market intermediary, the economic development level, the cultural credit environment, the legal environment, and the market intermediary. The influence of government behavior on the allocation efficiency of credit funds in Gansu province is respectively: 37.54 and 19.240.10. 75, 12.42 and 9.09. 7th. According to the conclusion of empirical test, the author puts forward some countermeasures and suggestions to improve the financial ecological environment of Gansu Province in order to improve the efficiency of credit fund allocation in Gansu Province.
【学位授予单位】：兰州大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.4

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