新疆银行业与经济发展协调性研究

发布时间：2018-06-15 22:28

本文选题：新疆银行业发展 + 新疆经济发展　；参考：《新疆财经大学》2013年硕士论文

【摘要】：金融在现代经济的发展过程中处于核心的地位。而在我国的金融体系中，银行业又处于主导的地位，特别是对于新疆这个欠发达地区来讲，银行业更是整个金融体系的主体。因为其以运营资金为主要业务，其提供的金融服务本身就体现为生产要素的资本，是联系各个生产部门的纽带。银行业发展必须以实体经济发展为基础，因为银行业发展依赖于金融各产业、市场和要素之间的协调状况，银行业与经济发展协调与否，很大程度上决定着金融业与经济发展的协调性。银行业发展与经济发展相协调，能够满足经济发展对金融服务的需要，必然促进经济发展。反之，如果银行业发展滞后于经济发展水平或者超前于经济发展水平，结果必然是阻碍经济发展或者造成经济过度金融化，形成经济发展的虚拟化，对经济的健康运行都会造成不利的影响。因此，研究新疆银行业与经济发展的协调性具有非常重要的意义。通过对新疆银行业与经济发展的协调性进行研究，了解新疆的银行业自从改革开放以来与新疆经济发展的协调状况及其走势。根据所求出的每年的协调性的不同，去探寻有可能会影响二者之间协调性的因素，为政府进行宏观调控提供一些依据，以确保新疆银行业与经济在一个相互促进的良好的循环中协调发展。本文首先对国内外对经济发展与金融发展理论的研究成果进行综述，其次，对新疆银行业和经济发展现状进行描述性分析,然后运用因子分析方法中的主成分分析，，分别从反映经济发展和银行业发展的众多指标中提取出综合反映新疆经济发展和银行业发展水平的指数。最后利用该指数对新疆银行业和经济发展的协调性进行测度,得出了以下结论：第一，新疆经济发展水平指数在整个样本期间内呈现逐步增加的趋势。新疆银行业发展水平指数在样本期间内相较于经济发展水平波动比较厉害，其中，2003-2008年新疆银行业发展水平指数呈现出下降的趋势，银行业发展水平指数逐步落后于新疆经济发展水平指数；第二，新疆银行业与经济发展之间的协调性不是趋于上升的，两者之间的状态协调值由1981年的0.99下降到2011年的0.68。针对上述结论，论文给出了提高新疆银行业发展水平，提高二者之间协调性的政策建议。
[Abstract]:Finance is in the core position in the development process of modern economy. But in our country's financial system, the banking industry is in the dominant position, especially for the less developed area of Xinjiang, the banking industry is the main body of the whole financial system. Because its main business is operating capital, the financial service it provides is the capital of production factor, which is the link between various production departments. The development of the banking industry must be based on the development of the real economy, because the development of the banking industry depends on the state of coordination among the various industries, markets and elements of the financial industry, and whether the banking industry and the economic development are coordinated or not. To a large extent, the financial industry and the coordination of economic development. The coordination of banking development and economic development can meet the needs of economic development for financial services and will inevitably promote economic development. On the contrary, if the development of banking industry lags behind the level of economic development or is ahead of the level of economic development, the result will inevitably be to hinder economic development or to cause excessive financialization of the economy, thus forming virtualization of economic development. The healthy operation of the economy will have a negative impact. Therefore, it is of great significance to study the coordination of banking and economic development in Xinjiang. Through the research on the coordination of banking and economic development in Xinjiang, this paper tries to understand the coordination and trend of the banking industry in Xinjiang since the reform and opening up to the outside world. According to the difference of the coordination of each year, to explore the factors that may affect the coordination between the two, and to provide some basis for the government to carry out macro-control. To ensure that the banking and economic development in Xinjiang in a mutually reinforcing good cycle of coordination. This paper first summarizes the research results of economic development and financial development at home and abroad, secondly, describes the present situation of banking and economic development in Xinjiang, and then applies the principal component analysis in the method of factor analysis. The index which reflects the economic development and banking development level of Xinjiang is extracted from many indexes which reflect the economic development and banking development respectively. Finally, by using the index to measure the coordination of banking and economic development in Xinjiang, the following conclusions are drawn: first, Xinjiang economic development level index gradually increases during the whole sample period. The Xinjiang Banking Development level Index fluctuated more sharply than the economic development level during the sample period, among which the Xinjiang Banking Development level Index showed a downward trend in 2003-2008. Second, the coordination between the banking industry and economic development in Xinjiang is not increasing, the state coordination value between the two dropped from 0.99 in 1981 to 0.68 in 2011. In view of the above conclusions, the paper puts forward some policy suggestions to improve the development level and coordination between the banking industry in Xinjiang.
【学位授予单位】：新疆财经大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F127;F832.7

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