本文關(guān)鍵詞：西北地區(qū)金融普惠與外溢性研究　出處：《石河子大學(xué)》2016年碩士論文　論文類型：學(xué)位論文

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【摘要】：“金融普惠”這一概念早在2005年被提出,歷經(jīng)10余年的探索,2016年國務(wù)院印發(fā)了推進(jìn)普惠金融發(fā)展的規(guī)劃,普惠金融在我國的實踐正在不斷深入。我國地域遼闊,各區(qū)域存在較為明顯的經(jīng)濟(jì)差異,西北地區(qū)經(jīng)濟(jì)發(fā)展較中部、東部稍顯落后,西北地區(qū)經(jīng)濟(jì)建設(shè)和金融普惠發(fā)展理應(yīng)更受關(guān)注,從縮小自身二元結(jié)構(gòu)和區(qū)域經(jīng)濟(jì)差異的角度而言,金融普惠的發(fā)展有利于精準(zhǔn)扶貧工作的順利開展。金融普惠水平在提升和促進(jìn)經(jīng)濟(jì)增長的同時,是否能提振居民消費,助推城鎮(zhèn)化進(jìn)程?從中折射出普惠金融所產(chǎn)生的外溢效應(yīng)?本文以金融普惠制理論和金融發(fā)展的三大效應(yīng)為研究基石,在此基礎(chǔ)上,從供求兩方面分析了西北五省金融現(xiàn)狀,緊接著構(gòu)建西北地區(qū)金融普惠水平測算指標(biāo)體系,并運用該指標(biāo)對2004-2014年西北地區(qū)進(jìn)行了測評,分析了影響西北五省金融普惠水平高低的因素,最后運用2004-2014年的省級面板數(shù)據(jù)進(jìn)行實證檢驗,進(jìn)一步說明金融普惠對居民消費和城鎮(zhèn)化帶來的外溢效應(yīng)。文章結(jié)構(gòu)上可以分為七個章節(jié),是基于理論—實證—對策的思路構(gòu)建的框架。第一章為緒論,第二章為金融普惠的理論基礎(chǔ)和金融發(fā)展的外溢效應(yīng);第三章以西北地區(qū)為背景展開的金融普惠現(xiàn)狀分析;第四章,對金融普惠測度指標(biāo)和方法進(jìn)行了總結(jié)和歸納,借鑒已有IFI指數(shù),構(gòu)建西北五省金融普惠測度指標(biāo)(IFI),并依此確立了3個維度�；诖�,對西北五省金融普惠水平進(jìn)行了實際測評,為獲取西北五省金融服務(wù)的總體概況,先對西北五省金融服務(wù)機構(gòu)網(wǎng)點及貸款情況進(jìn)行了簡要分析,并依據(jù)該章確定的維度與計算方法,對西北五省金融普惠水平進(jìn)行了實際測算。從縱向上看,2004-2014年間,西北五省金融普惠水平有明顯的提高;橫向來看,不同省(區(qū))之間金融普惠水平存在較大差距,陜西、寧夏金融普惠的整體水平較高,甘肅、青海和新疆的金融普惠整體水平較低。第五章在已有金融普惠水平影響因素的相關(guān)研究成果的基礎(chǔ)上,提出影響金融普惠水平的相關(guān)指標(biāo),并運用面板數(shù)據(jù)模型對西北地區(qū)進(jìn)行實證檢驗研究,從研究結(jié)果可知,第三產(chǎn)業(yè)拉動率、城鎮(zhèn)化率、受教育水平和公路里程數(shù)與金融普惠之間呈顯著正相關(guān),而第一產(chǎn)業(yè)拉動率則呈負(fù)的顯著性影響。第六章選用Granger因果檢驗、協(xié)整檢驗、面板VAR模型、脈沖響應(yīng)和方差分解方法對金融普惠的外溢效應(yīng)進(jìn)行研究,通過分析發(fā)現(xiàn),金融普惠在一定程度上促進(jìn)居民消費的發(fā)展,但作用效果需在第6期得以顯現(xiàn);金融普惠與城鎮(zhèn)化發(fā)展表現(xiàn)為相互促進(jìn)的關(guān)系,說明金融普惠對西北地區(qū)經(jīng)濟(jì)發(fā)展具有外溢效應(yīng)。以上結(jié)論暗含的政策含義是要提升西北地區(qū)金融普惠水平,必須增加金融機構(gòu)網(wǎng)點數(shù),強化和完善區(qū)域金融基礎(chǔ)設(shè)施建設(shè);抓住產(chǎn)業(yè)升級機遇,結(jié)合城鎮(zhèn)、教育和交通的正向影響,乘勢而上;放寬金融市場限制,加快推進(jìn)城鎮(zhèn)化進(jìn)程和消費升級。
[Abstract]:The concept of "financial inclusion" was proposed in 2005, after more than 10 years of exploration, in 2016 the State Council issued to promote the development of inclusive financial planning, inclusive finance practice in China is deepening. China's vast territory, there are obvious differences of the regional economy, economic development in Northwest China is middle Eastern slightly backward, Northwest Economic Development and financial development should be inclusive of more attention, from its two element structure and narrow the regional economic difference of perspective, the development of Inclusive Finance is conducive to accurate poverty alleviation work smoothly. The level of financial inclusion in promoting and promoting economic growth at the same time, whether it can boost consumption, boosting urbanization the spillover effect of financial inclusion process? Arising from refraction? This study based on three effects of GSP financial theory and financial development, based on this, from Two aspects of supply and demand analysis of the financial situation of the five northwestern provinces, then build index system of financial inclusion level in the northwest, and the use of the index evaluation of the northwest region for 2004-2014 years, and analyzed the influence factors of the five northwestern provinces inclusive finance level, finally using the provincial panel data of 2004-2014 years of empirical testing, further spillover the effect of financial inclusion on consumption and urbanization. The structure can be divided into seven chapters, is a framework for building - Theory - Empirical solutions based on. The first chapter is the introduction, the second chapter is the spillover effect of Inclusive Finance Theory and financial development; the third chapter is the background analysis in northwest region the fourth chapter, inclusive finance situation; the financial inclusion measure and method are summarized. And the existing IFI index, construction of the five northwestern provinces financial Pu Hui index (IFI), which was established in 3 dimensions. Based on this, in five provinces of Northwest inclusive finance level to the actual evaluation, for the general situation of the five northwestern provinces access to financial services, the first outlets and loan financial services institutions in northwest five provinces were analyzed, and based on the dimensions and method this chapter identifies the five provinces of Northwest inclusive finance level of actual calculation. From the longitudinal view, during 2004-2014, the five northwestern provinces Inclusive Finance was significantly increased; the lateral view, different provinces (regions) between the level of financial inclusion in a large gap, Shaanxi, a high level of financial inclusion in Ningxia, Gansu Inclusive Finance, the overall level of Qinghai and Xinjiang is relatively low. The fifth chapter researches the influence factors in the existing financial inclusion level, put forward related financial inclusive level standard, and use panel data Empirical research on the northwest model, the result shows that the third industrial pulling rate, urbanization rate, by showed a significant positive correlation between education level and highway mileage and Inclusive Finance, while the first industrial pulling rate has a significant negative impact. In the sixth chapter, using Granger causality test, cointegration test, panel VAR model, impulse response and variance decomposition method to study the spillover effects of financial inclusion, the analysis found that the financial inclusion in a certain extent, promote the development of the consumer, but the effects need to show in the sixth period; Inclusive Finance and the development of urbanization is to promote mutual relations, that has spillover effects on financial inclusion the economic development in the northwest region. The policy implications of these conclusions imply is to enhance the northwest inclusive finance level, must increase the number of outlets of financial institutions, strengthen and improve the regional financial The construction of infrastructure; seize the opportunity of industrial upgrading, combined with the town, positive effect, education and transportation to relax; financial market restrictions, accelerating the process of urbanization and consumption upgrade.

【學(xué)位授予單位】：石河子大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2016
【分類號】：F832.7
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本文編號：1419884