西藏金融发展水平与经济增长关系的实证研究

发布时间：2018-06-15 10:40

本文选题：金融发展 + 经济增长　；参考：《中央民族大学》2013年硕士论文

【摘要】：金融发展与经济增长的关系研究历来是经济学家所关注的一个热点问题,而且一直争论不休。随着中国经济的迅猛发展和金融改革的逐渐深化,探索金融发展与经济增长之间的关系具有越来越重要的理论和现实意义。西藏作为中国经济最不发达的边疆少数民族地区,经济和金融发展一直受到国内外的高度关注。中央第三次西藏工作座谈会召开以来,西藏经济发展逐步走上了持续快速健康发展的轨道,经济增长率连续16年保持在10%以上的较高水平。但从当前实际情况来看,西藏金融发展存在诸多不足,如金融资产总量不足,资产质量差,市场化程度不高,抗风险能力弱,资本市场发展缓慢,直接融资渠道不畅,资金外流趋势明显等。如何加快西藏地区金融发展,促进其经济快速发展,不仅是个亟待研究的理论课题,也是一个重大的实践课题。在这样的发展背景下,分析西藏经济金融发展现状,研究西藏金融发展对经济增长影响,找出金融发展不足的原因并提出建议,有助于指导地区经济建设。本文第一章首先对国内外金融发展和经济增长关系的理论研究和成果做了综述,重点介绍了西藏金融发展和经济增长关系的理论成果。通过借鉴国内外相关研究的理论成果和方法,采用了实证检验、理论分析与定性评价相结合的研究思路。第二章探讨了西藏金融的发展概况,包括西藏银行业、证券业、保险业和信托业的发展现状和存在的问题。第三章在大量统计数据分析的基础上,对西藏金融发展水平进行了衡量。第四章建立回归模型,利用1995年至2011年的相关经济数据,实证分析了西藏金融发展和经济增长的关系。实证研究结果表明,西藏金融发展一定程度上可以促进经济增长,但是经济增长对金融发展的促进作用较小。依据实证结果,第五章说明了西藏金融发展中存在的问题及成因分析,即西藏的金融体制改革滞后于经济体制改革,金融市场对资本资源的基础性配置作用尚未完全建立。而且,西藏的经济发展滞后于其他地区；金融体制的分割还很严重,金融抑制还很显著,表现在正规金融体系和非正规金融体系间、城市金融和农村金融间、国有金融体系和非国有金融体系间的市场分割,特别是西藏的农牧区金融供给呈现出边缘化的状态。第六章针对西藏金融发展落后的原因,对西藏金融发展提出了相关对策建议。西藏应在经济发展、金融环境和金融机构多元化发展等方面着手改进,达到促进西藏经济和金融共同发展的目的。
[Abstract]:The relationship between financial development and economic growth has always been a hot issue concerned by economists. With the rapid development of Chinese economy and the deepening of financial reform, it is of more and more important theoretical and practical significance to explore the relationship between financial development and economic growth. As China's least developed frontier minority areas, Tibet's economic and financial development has been highly concerned at home and abroad. Since the third session of the Central Committee on Tibetan work, Tibet's economic development has gradually been on the track of sustained, rapid and healthy development, and the economic growth rate has been maintained at a relatively high level of more than 10 percent for 16 consecutive years. However, judging from the current actual situation, Tibet's financial development has many shortcomings, such as insufficient total amount of financial assets, poor quality of assets, low degree of marketization, weak ability to resist risks, slow development of the capital market, and poor direct financing channels. The trend of capital outflow is obvious. How to speed up the financial development of Tibet and promote the rapid development of its economy is not only a theoretical subject to be studied urgently, but also an important practical subject. Under the background of this development, this paper analyzes the present situation of Tibet's economic and financial development, studies the influence of Tibet's financial development on economic growth, finds out the reasons for the lack of financial development, and puts forward some suggestions, which is helpful to guide the regional economic construction. In the first chapter of this paper, the theoretical research and achievements of the relationship between financial development and economic growth at home and abroad are summarized, with emphasis on the theoretical results of the relationship between financial development and economic growth in Tibet. By referring to the theoretical results and methods of relevant research at home and abroad, this paper adopts the research ideas of empirical test, theoretical analysis and qualitative evaluation. The second chapter discusses the development of Tibet's financial situation, including the banking, securities, insurance and trust industry development and existing problems. Chapter three measures the level of financial development in Tibet on the basis of a great deal of statistical data analysis. In chapter 4, the regression model is established and the relationship between financial development and economic growth in Tibet is empirically analyzed by using the relevant economic data from 1995 to 2011. The empirical results show that the financial development of Tibet can promote the economic growth to some extent, but the economic growth has little effect on the financial development. According to the empirical results, the fifth chapter explains the problems and causes of the financial development in Tibet, that is, the financial system reform in Tibet lags behind the economic system reform, and the basic allocation of capital resources by the financial market has not been completely established. Moreover, Tibet's economic development lags behind that of other regions; the financial system is still very divided, and the financial repression is still very significant. This is manifested in the relationship between the formal financial system and the informal financial system, between urban finance and rural finance. The market segmentation between the state-owned financial system and non-state-owned financial system, especially in Tibet's agricultural and pastoral areas, shows a state of marginalization. The sixth chapter puts forward some countermeasures and suggestions to the financial development of Tibet in view of the reasons for the backwardness of the financial development in Tibet. Tibet should improve its economic development, financial environment and diversified development of financial institutions so as to achieve the goal of promoting the common development of Tibet's economy and finance.
【学位授予单位】：中央民族大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F127.8;F832.7

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