發(fā)布時(shí)間：2018-03-07 01:34

  本文選題：民問(wèn)金融　切入點(diǎn)：經(jīng)濟(jì)增長(zhǎng)　出處：《安徽大學(xué)》2012年碩士論文　論文類型：學(xué)位論文

【摘要】：長(zhǎng)期以來(lái),民間金融對(duì)經(jīng)濟(jì)發(fā)展的作用與其受到的待遇是不一致的。在經(jīng)濟(jì)發(fā)展的過(guò)程中,民間金融作為正規(guī)金融的補(bǔ)充,為中小企業(yè)提供融資的需求,并且在我國(guó)產(chǎn)業(yè)結(jié)構(gòu)轉(zhuǎn)型的過(guò)程中投資進(jìn)入更多的領(lǐng)域,使得其對(duì)經(jīng)濟(jì)發(fā)展以及產(chǎn)業(yè)結(jié)構(gòu)的調(diào)整都產(chǎn)生積極的影響。但是由于民間金融處于金融監(jiān)管范圍之外,存在一定的不規(guī)范和不安全因素,特別是一些灰色的民間金融對(duì)金融市場(chǎng)和整個(gè)社會(huì)產(chǎn)生不良的影響,使得政府對(duì)民間金融的態(tài)度一直沒(méi)有明朗化。從一開(kāi)始的打擊取締到逐漸的理性認(rèn)識(shí),卻一直沒(méi)有給民間金融合法化的地位。2012年溫家寶總理在國(guó)務(wù)院常務(wù)會(huì)議上提出要建立溫州市金融綜合改革試驗(yàn)區(qū),這表明民間金融的合理性、重要性已經(jīng)受到了高度的重視,民間金融的積極作用也得到了肯定。 國(guó)內(nèi)外對(duì)民間金融的研究開(kāi)始的比較早,相關(guān)的理論也比較完善。但是由于民間金融處于金融監(jiān)管體系之外,具有隱蔽性的特點(diǎn),所以在調(diào)查統(tǒng)計(jì)方面有一定的難度,導(dǎo)致民間金融的相關(guān)實(shí)證研究的難以進(jìn)行�；诖�,本文在前人研究的基礎(chǔ)之上,獨(dú)創(chuàng)性的運(yùn)用間接的估算方法,采用1994-2010年的統(tǒng)計(jì)數(shù)據(jù),對(duì)我國(guó)民間金融的規(guī)模進(jìn)行估算,并用計(jì)量經(jīng)濟(jì)學(xué)的方法對(duì)民間金融的發(fā)展與經(jīng)濟(jì)增長(zhǎng)及產(chǎn)業(yè)結(jié)構(gòu)之間的關(guān)系進(jìn)行了實(shí)證研究。所得結(jié)論對(duì)于更加全面的認(rèn)識(shí)民間金融的作用,完善對(duì)民間金融規(guī)范發(fā)展途徑都有重要的意義。 本文首先是對(duì)關(guān)于民間金融的國(guó)內(nèi)外文獻(xiàn)和相關(guān)理論進(jìn)行闡述和總結(jié),并在理論的基礎(chǔ)上結(jié)合我國(guó)具體國(guó)情,對(duì)民間金融在我國(guó)的發(fā)展情況進(jìn)行重新劃分,對(duì)其原因、作用進(jìn)行重新梳理。接著提出測(cè)算全國(guó)民間金融規(guī)模的經(jīng)濟(jì)金融相對(duì)指數(shù)統(tǒng)計(jì)法,在建立相關(guān)理論假設(shè)的基礎(chǔ)之上,運(yùn)用收集整理所得的1994-2010年的經(jīng)濟(jì)金融相關(guān)數(shù)據(jù),估算出我國(guó)民間金融的規(guī)模。 然后是對(duì)我國(guó)民間金融與經(jīng)濟(jì)增長(zhǎng)的影響關(guān)系作了實(shí)證研究,得出二者之間的關(guān)系模型。最終得出結(jié)論：民間金融發(fā)展與經(jīng)濟(jì)增長(zhǎng)之間存在著長(zhǎng)期協(xié)整關(guān)系并且具有顯著的雙向因果關(guān)系。證明了民間金融發(fā)展能促進(jìn)了經(jīng)濟(jì)的增長(zhǎng),而經(jīng)濟(jì)的增長(zhǎng)同樣能帶動(dòng)民間金融的發(fā)展,兩者之間是雙向的拉動(dòng)效應(yīng)。證實(shí)了民間金融對(duì)經(jīng)濟(jì)發(fā)展的作用,也說(shuō)明民間金融是隨著經(jīng)濟(jì)的不斷發(fā)展而發(fā)展。得出了與已有研究不一樣的結(jié)論,即民間金融不會(huì)在經(jīng)濟(jì)發(fā)展中消失,而是會(huì)在經(jīng)濟(jì)發(fā)展中不斷完善并朝著正規(guī)化的方向發(fā)展。 同時(shí)做了我國(guó)民間金融與產(chǎn)業(yè)結(jié)構(gòu)之間的實(shí)證研究,得出結(jié)論是：民間金融與第二產(chǎn)業(yè)之間是雙向的因果關(guān)系；民間金融與第三產(chǎn)業(yè)之間只是單向的因果關(guān)系。運(yùn)用全國(guó)數(shù)據(jù)得出的這個(gè)研究結(jié)論,說(shuō)明本文在已有研究民間金融對(duì)區(qū)域產(chǎn)業(yè)結(jié)構(gòu)影響的基礎(chǔ)上,證實(shí)了我國(guó)全國(guó)范圍內(nèi)的民間金融的發(fā)展對(duì)我國(guó)產(chǎn)業(yè)結(jié)構(gòu)調(diào)整的積極影響。這個(gè)結(jié)論對(duì)于我國(guó)正在開(kāi)展的規(guī)范民間金融的實(shí)踐活動(dòng)有一定的參考指導(dǎo)意義。我國(guó)正在進(jìn)行的產(chǎn)業(yè)結(jié)構(gòu)升級(jí)調(diào)整的過(guò)程中,要加強(qiáng)重視民間金融的產(chǎn)業(yè)導(dǎo)向作用,正確引導(dǎo)其投資方向,發(fā)揮它的積極作用。 最后是在得出研究結(jié)論的基礎(chǔ)上對(duì)如何規(guī)范我國(guó)民間金融的發(fā)展提出一些對(duì)策建議。通過(guò)比較和借鑒其他國(guó)家和地區(qū)的民間金融發(fā)展模式,結(jié)合我國(guó)的經(jīng)濟(jì)發(fā)展體制和金融發(fā)展的實(shí)際情況,提出相關(guān)對(duì)策。首先要保證我國(guó)民間金融在發(fā)展的過(guò)程中擁有合法的法律地位,有相關(guān)的法律規(guī)范來(lái)監(jiān)督、約束,然后在此基礎(chǔ)上通過(guò)合理引導(dǎo),最大程度的發(fā)揮民間金融對(duì)經(jīng)濟(jì)增長(zhǎng)和產(chǎn)業(yè)結(jié)構(gòu)調(diào)整的積極影響。
[Abstract]:For a long time, the role of Private Finance on economic development and the treatment is not consistent. In the process of economic development, as a supplement to formal finance of private finance, financing demand for small and medium-sized enterprises, and investment into more areas in the process of the transformation of China's industrial structure, which have a positive the impact on economic development and industrial structure adjustment. But due to informal finance outside the scope of financial regulation, there is no standard and some unsafe factors, especially the gray informal finance have adverse effects on the financial market and the whole society, the attitude of the Chinese government finance has not been clear from the start. Banning to rational knowledge gradually, but has not given the legalization of private finance status.2012 Premier Wen Jiabao of the State Council executive meeting proposed to establish Wenzhou financial comprehensive reform pilot area shows that the rationality and importance of private finance has been highly valued, and the positive role of private finance has also been affirmed.
The domestic and foreign research on folk finance started relatively early, the related theory is also perfect. But due to informal finance outside the financial regulatory system, with hidden features, so there are some difficulties in investigation and statistics, the research result related empirical folk finance difficult. Based on this, this article on the basis of previous studies, using the original indirect estimation method of the statistics of 1994-2010 years, to estimate the scale of China's informal financial and econometric methods on the development of private finance and the relationship between economic growth and industrial structure by empirical research. The conclusion can give a more comprehensive understanding of the civil the role of finance, improvement has important significance to regulate the development of private financial channels.
This paper is about the folk financial literatures and related theories are elaborated and summarized, combined with China's specific national conditions on the basis of the theory, re division of informal financial development in our country, its causes, effects of re sort. Then a calculation of national folk financial scale economy and finance the relative index statistics, based on the related theoretical assumptions, using 1994-2010 years of economic and financial data collected from the estimate of the scale of China's informal financial.
Then the influence on folk finance and economic growth in China relations has made empirical study on the relationship model between the two. The final conclusion: between the folk financial development and economic growth have a long-term cointegration relationship and has significant two-way causal relationship. Shows that the financial development promotes economic growth. The development of economic growth also led to private finance, between the two is the pulling effect of bidirectional. Confirmed the effect of Informal Finance on economic development, also shows that private finance is developing with the development of economy. The research conclusion is not the same with the existing, namely private finance will not disappear in the economic development, but will improve and toward the normalization direction with the continuous development of economic development.
At the same time do empirical research between folk finance and industrial structure of our country, the conclusion is that between the informal finance and the second industry is a two-way causal relationship; a one-way causal relationship between the informal finance and the third industry. This research conclusion using national data obtained, based on the existing research shows that influence of Folk Finance on regional industry on the structure, confirmed the positive effect of our country's folk financial development on China's industrial structure adjustment. This conclusion has certain guiding significance for our country is carrying out the standard folk finance practice. China's industrial structure upgrading and adjustment of the ongoing process, to strengthen the industry oriented the importance of informal finance, the right to guide the direction of investment, play its positive role.
Finally on the basis of the research conclusion on how to regulate the development of informal finance in China put forward some countermeasures and suggestions. Through the comparison and reference of the folk financial development model of other countries and regions, combined with the actual situation of China's economic development and financial system development, put forward relevant countermeasures. First of all to ensure the legal status of private finance in China in the process of development with legal, legal norms related to supervision and restraint, then on the basis of reasonable guide, play the greatest degree of positive impact of Private Finance on economic growth and industrial structure adjustment.

【學(xué)位授予單位】：安徽大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類號(hào)】：F832;F124;F121.3

【引證文獻(xiàn)】

相關(guān)碩士學(xué)位論文 前2條

1 牛r，

本文編號(hào)：1577399