本文選題：金融成熟度 + 區(qū)域金融��； 參考：《西安電子科技大學(xué)》2013年碩士論文

【摘要】：金融是現(xiàn)代經(jīng)濟(jì)的內(nèi)生變量和核心要素,隨著經(jīng)濟(jì)金融程度化的不斷加深,區(qū)域金融市場已經(jīng)成為影響和制約區(qū)域經(jīng)濟(jì)發(fā)展的決定性因素。在現(xiàn)代金融理論研究框架中,有關(guān)金融發(fā)展的研究雖然獲得了豐碩成果,但是如何直觀、全面、準(zhǔn)確地測度金融運(yùn)行狀態(tài)上,仍缺乏一個(gè)有效的方法。已有的研究文獻(xiàn)主要選用一些金融指標(biāo)來測度金融發(fā)展,如,存貸款規(guī)模、金融機(jī)構(gòu)數(shù)、金融市場交易量,等等。但這些指標(biāo)因?yàn)閱我恍?總是存在一些缺陷。本文的主要目的就是要尋找一個(gè)測度金融運(yùn)行狀態(tài)的有效方法,并希望可以探索一種新的研究視角。在具體的思路上,就是以關(guān)中—天水經(jīng)濟(jì)區(qū)為樣本,嘗試構(gòu)造一個(gè)能夠反映金融運(yùn)行狀況的綜合指數(shù)。 本文在系統(tǒng)的分析了區(qū)域金融發(fā)展的內(nèi)涵、歷史背景和發(fā)展機(jī)理的基礎(chǔ)上,將“金融成熟度”的概念引入?yún)^(qū)域金融發(fā)展領(lǐng)域,深入分析中國區(qū)域金融成熟度的概念界定和測定方法。本文以關(guān)中—天水經(jīng)濟(jì)區(qū)為研究對象進(jìn)行實(shí)證研究,首先選取關(guān)中—天水經(jīng)濟(jì)區(qū)的8個(gè)主要城市的金融機(jī)構(gòu)存款余額、金融機(jī)構(gòu)貸款余額、GDP、金融相關(guān)比率等指標(biāo),構(gòu)建區(qū)域金融發(fā)展水平綜合指標(biāo)體系,后采用主成分分析法對關(guān)中—天水經(jīng)濟(jì)區(qū)金融成熟度進(jìn)行測定。最后從區(qū)域金融的角度,提出相關(guān)的政策建議。研究表明：關(guān)中—天水經(jīng)濟(jì)區(qū)內(nèi)不同區(qū)域之間的金融發(fā)展程度存在很大的差異,金融市場體系不健全、跨區(qū)域金融設(shè)施不健全以及金融資源在分布上呈非均衡狀態(tài),區(qū)域經(jīng)濟(jì)體系存在結(jié)構(gòu)性失衡,西安明顯領(lǐng)先與其他城市,金融發(fā)展比較迅速,金融體系比較完整,而其他城市特別是天水金融發(fā)展緩慢。研究建議,應(yīng)完善金融市場體系,創(chuàng)新金融服務(wù)方式,促進(jìn)區(qū)域金融合作,加強(qiáng)金融創(chuàng)新和完善金融機(jī)構(gòu)。
[Abstract]:Finance is the endogenous variable and core factor of modern economy. With the deepening of the degree of economic finance, regional financial market has become the decisive factor to influence and restrict the development of regional economy. In the framework of modern financial theory research, although the research on financial development has obtained fruitful results, there is still a lack of an effective method on how to measure the state of financial operation intuitively, comprehensively and accurately. The existing research literature mainly uses some financial indicators to measure the financial development, such as the scale of deposits and loans, the number of financial institutions, the volume of financial markets, and so on. However, because of the singularity of these indicators, there are always some defects. The main purpose of this paper is to find an effective method to measure the state of financial operation, and hope to explore a new research perspective. Taking Guanzhong-Tianshui Economic Zone as a sample, the author tries to construct a comprehensive index which can reflect the financial operation. Based on the systematic analysis of the connotation, historical background and development mechanism of regional financial development, this paper introduces the concept of "financial maturity" into the field of regional financial development. The concept definition and measurement method of regional financial maturity in China are analyzed in depth. This paper takes Guanzhong-Tianshui Economic Zone as the research object to carry on the empirical research, first selects the Guanzhong-Tianshui Economic Zone 8 main cities' financial institution deposit balance, the financial institution loan balance GDP, the financial correlation ratio and so on. The comprehensive index system of regional financial development level is constructed, and then the financial maturity of Guanzhong-Tianshui Economic Zone is measured by principal component analysis. Finally, from the point of view of regional finance, put forward the relevant policy recommendations. The research shows that there are great differences in the degree of financial development among different regions in Guanzhong Tianshui Economic Zone, the financial market system is not perfect, the cross-regional financial facilities are not perfect and the distribution of financial resources is disequilibrium. There is a structural imbalance in the regional economic system, Xi'an is obviously ahead of other cities, the financial development is relatively rapid, the financial system is relatively complete, and other cities, especially Tianshui, are slow to develop finance. It is suggested that the financial market system should be improved, the financial service mode should be innovated, regional financial cooperation should be promoted, financial innovation should be strengthened and financial institutions should be perfected.
【學(xué)位授予單位】：西安電子科技大學(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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