【摘要】：在世界經(jīng)濟發(fā)展的歷史長河中,金融創(chuàng)新與經(jīng)濟增長始終保持緊密聯(lián)系。學(xué)者們在研究金融創(chuàng)新與經(jīng)濟增長的關(guān)系時,大都局限于狹義虛擬經(jīng)濟。現(xiàn)階段全球經(jīng)濟迎來了同時滿足人的物質(zhì)需求和心理需求以及只滿足人的心理需求的廣義虛擬經(jīng)濟新時代,新經(jīng)濟時代的到來必然伴隨有新經(jīng)濟理論的誕生,對于傳統(tǒng)經(jīng)濟理論缺乏很好解釋的經(jīng)濟現(xiàn)象,新經(jīng)濟理論能夠給出合理的解釋和引領(lǐng)新的價值創(chuàng)造。廣義虛擬經(jīng)濟視角是新時代的“點金石”,基于該視角研究金融創(chuàng)新與經(jīng)濟增長的協(xié)同機制具有重要價值。 本文在研究金融創(chuàng)新與經(jīng)濟增長關(guān)系的文獻、廣義虛擬經(jīng)濟理論和協(xié)同學(xué)理論的基礎(chǔ)上,通過梳理金融創(chuàng)新的發(fā)展歷程,指出廣義虛擬經(jīng)濟視角下金融創(chuàng)新的主要趨勢是互聯(lián)網(wǎng)金融。然后結(jié)合廣義虛擬經(jīng)濟時代的特征,根據(jù)合理性、可操作性、全面性和可比較性原則選取了金融創(chuàng)新和經(jīng)濟增長子系統(tǒng)的指標體系,構(gòu)建了以兩個子系統(tǒng)序參量的協(xié)同度模型,并實證分析了2005年-2012年間金融創(chuàng)新與經(jīng)濟增長子系統(tǒng)的有序度和復(fù)合系統(tǒng)的協(xié)同度,研究發(fā)現(xiàn)廣義虛擬經(jīng)濟視角下金融創(chuàng)新與經(jīng)濟增長的協(xié)同程度逐年提高。最后,利用BP神經(jīng)網(wǎng)絡(luò)模型預(yù)測2013年金融創(chuàng)新與經(jīng)濟增長的協(xié)同度,預(yù)測結(jié)果顯示2013年的系統(tǒng)協(xié)同度與2005-2012年間系統(tǒng)協(xié)同度的預(yù)測趨勢一致,提出廣義虛擬經(jīng)濟視角下金融創(chuàng)新與經(jīng)濟增長的協(xié)同模式。 通過分析可知,互聯(lián)網(wǎng)金融是廣義虛擬經(jīng)濟下金融創(chuàng)新的主要趨勢,以人為本、注重感知體驗、滿足用戶心理價值和提供個性化服務(wù)等特征均滲入到互聯(lián)網(wǎng)金融中,這恰好符合廣義虛擬經(jīng)濟的內(nèi)涵和特征。廣義虛擬經(jīng)濟視角下我國金融創(chuàng)新與經(jīng)濟增長協(xié)同發(fā)展的大概路徑是金融創(chuàng)新和經(jīng)濟增長同步協(xié)同發(fā)展。金融創(chuàng)新與經(jīng)濟增長的協(xié)同發(fā)展模式是一個復(fù)雜的交互過程�；ヂ�(lián)網(wǎng)金融和傳統(tǒng)意義上的金融創(chuàng)新通過減少交易成本、促進技術(shù)進步、提高創(chuàng)新效率、有利資源配置和滿足用戶個性化需求等方面推動賦予廣義虛擬經(jīng)濟內(nèi)涵的經(jīng)濟增長,而包含品牌、文化、創(chuàng)意、人文藝術(shù)和服務(wù)等信息要素的經(jīng)濟增長則通過金融創(chuàng)新產(chǎn)權(quán)激勵、金融創(chuàng)新者的公平收益、金融創(chuàng)新的政府力量和金融創(chuàng)新機構(gòu)內(nèi)部激勵四個因素來促進金融創(chuàng)新。
[Abstract]:In the history of world economic development, financial innovation and economic growth have always been closely linked. When scholars study the relationship between financial innovation and economic growth, most of them are confined to narrow-sense fictitious economy. At the present stage, the global economy has ushered in a new era of generalized virtual economy, which meets the material and psychological needs of human beings and only meets the psychological needs of human beings. The arrival of the new economic era is bound to be accompanied by the birth of the new economic theory. The new economic theory can give a reasonable explanation and lead the new value creation for the lack of explanation of economic phenomenon in traditional economic theory. The generalized virtual economy perspective is the "golden stone" of the new era, and it is of great value to study the synergetic mechanism between financial innovation and economic growth based on this perspective. On the basis of studying the relationship between financial innovation and economic growth, generalized virtual economy theory and synergetic theory, this paper combs the development course of financial innovation. It is pointed out that Internet finance is the main trend of financial innovation from the perspective of generalized virtual economy. Then according to the characteristics of the generalized virtual economy era and according to the principles of rationality, operability, comprehensiveness and comparability, the index system of financial innovation and economic growth subsystem is selected, and the coordination degree model with the order parameters of the two subsystems is constructed. The paper also analyzes the order degree of financial innovation and economic growth subsystem from 2005 to 2012 and the coordination degree of composite system. It is found that the degree of synergy between financial innovation and economic growth increases year by year from the perspective of generalized virtual economy. Finally, the BP neural network model is used to predict the degree of synergy between financial innovation and economic growth in 2013. The results show that the system synergy in 2013 is consistent with the forecast trend of system synergy between 2005 and 2012. This paper puts forward the synergetic mode of financial innovation and economic growth from the perspective of generalized virtual economy. Through analysis, it can be seen that Internet finance is the main trend of financial innovation in the generalized virtual economy. The characteristics of people-oriented, focusing on the perceptual experience, satisfying the psychological value of users and providing individualized services have penetrated into the Internet finance. This coincides with the connotation and characteristics of the generalized virtual economy. From the perspective of generalized virtual economy, the possible path of the coordinated development between financial innovation and economic growth in China is the coordinated development of financial innovation and economic growth. The coordinated development model of financial innovation and economic growth is a complicated interactive process. Internet finance and financial innovation in the traditional sense promote the economic growth with the connotation of generalized virtual economy by reducing transaction cost, promoting technological progress, improving innovation efficiency, favorable allocation of resources and meeting the individual needs of users. And economic growth, which includes information elements such as brand, culture, creativity, humanities, art and service, is encouraged by financial innovation property rights, and the fair income of financial innovators. The government power of financial innovation and the internal incentive of financial innovation institution are four factors to promote financial innovation.
【學(xué)位授予單位】：武漢理工大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F124;F832

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