本文關(guān)鍵詞： 區(qū)域金融 泰爾指數(shù) 金融指標(biāo) 對策建議　出處：《首都經(jīng)濟(jì)貿(mào)易大學(xué)》2013年碩士論文　論文類型：學(xué)位論文

【摘要】：金融是現(xiàn)代經(jīng)濟(jì)運(yùn)行的核心和樞紐，經(jīng)濟(jì)發(fā)展離不開金融的支持和推動(dòng)。改革開放以來，我國經(jīng)濟(jì)取得了長足的進(jìn)步和發(fā)展，無論國民經(jīng)濟(jì)總量還是人們生活水平都達(dá)到了前所未有的水平，但是，在驕人的成績背后卻存在區(qū)域金融差異現(xiàn)象。由于我國地大物博，幅員遼闊，資源分布極其不均衡，我國東部、中部、西部及東北部四大區(qū)域之間以及四大區(qū)域的內(nèi)部，區(qū)域金融差異化現(xiàn)象十分明顯。本文將重點(diǎn)研究我國四大區(qū)域間金融差異化的現(xiàn)狀、產(chǎn)生金融差異的原因、如何看待金融差異化以及如何減小區(qū)域金融差異等問題。 首先，本文將我國劃分為東部、中部、西部及東北部四個(gè)區(qū)域，運(yùn)用指標(biāo)（如：金融相關(guān)比率FIR、存貸款余額相對比率LSR、金融機(jī)構(gòu)數(shù)量、非金融機(jī)構(gòu)融資量）和面板數(shù)據(jù)，宏觀分析四個(gè)區(qū)域間的金融差異及變化趨勢。 其次，，本文從行業(yè)的角度，對銀行業(yè)、保險(xiǎn)業(yè)、證券業(yè)分別運(yùn)用相關(guān)指標(biāo)（如：資產(chǎn)負(fù)債情況、存貸款規(guī)模情況、網(wǎng)點(diǎn)與從業(yè)人員數(shù)量、保費(fèi)收入、保險(xiǎn)密度、保險(xiǎn)深度、證券化率等），衡量區(qū)域間金融差異的大小并排序，給讀者以清晰的展示。 再次，運(yùn)用泰爾指數(shù)度量方法，測算人均存貸款總和的泰爾指數(shù)和金融相關(guān)比率的泰爾指數(shù)，觀察我國區(qū)域金融差異化的發(fā)展趨勢。 最后，本文從區(qū)域經(jīng)濟(jì)發(fā)展差異、政策因素、制度因素、歷史與地理等角度分析了區(qū)域金融差異化的根本原因，并提出減小區(qū)域金融差異、實(shí)現(xiàn)區(qū)域金融協(xié)調(diào)發(fā)展的對策。
[Abstract]:Finance is the core and hub of modern economic operation, and economic development can not be separated from the support and promotion of finance. Since the reform and opening up, China's economy has made considerable progress and development. Both the gross national economy and people's living standards have reached an unprecedented level, but there is a phenomenon of regional financial differences behind the impressive achievements. Because of the vast territory and vast territory, the distribution of resources is extremely uneven in our country. The phenomenon of regional financial differentiation is very obvious in the east, middle, west and northeast of China and the interior of the four regions. This paper will focus on the current situation of financial differentiation among the four regions in China, and the reasons for the financial differences. How to treat financial differentiation and how to reduce regional financial differences and so on. First of all, this paper divides our country into four regions: eastern, central, western and northeast, using indicators (such as FIR, LSRs, the number of financial institutions, the amount of non-financial institutions financing) and panel data. Macro analysis of the financial differences and trends among the four regions. Secondly, from the perspective of industry, this paper applies relevant indicators to the banking, insurance and securities industries (such as: assets and liabilities, deposit and loan scale, network and number of employees, premium income, insurance density, insurance depth, etc. Securitization rate, such as measuring the size of regional financial differences and ranking, to give readers a clear display. Thirdly, using the method of Tyr index, the paper calculates the per capita total of deposits and loans and the Tyr index of finance-related ratio, and observes the development trend of regional financial differentiation in China. Finally, this paper analyzes the fundamental causes of regional financial differentiation from the perspectives of regional economic development differences, policy factors, institutional factors, history and geography, and puts forward countermeasures to reduce regional financial differences and realize the coordinated development of regional finance.
【學(xué)位授予單位】：首都經(jīng)濟(jì)貿(mào)易大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F832.7

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