【摘要】：金融業(yè)，作為連接不同市場和不同要素的橋梁和樞紐，在市場資源配置中發(fā)揮著核心的作用，是信用經(jīng)濟和貨幣經(jīng)濟不可或缺的重要組成部分。我國金融業(yè)在經(jīng)歷了改革開放三十幾年來的發(fā)展，如今已然成為了集銀行、證券、保險于一體的全面發(fā)展的現(xiàn)代化金融業(yè)。然而，作為我國現(xiàn)代化金融業(yè)的一大硬傷，我國區(qū)域金融業(yè)無論是在金融結(jié)構(gòu)方面，還是在金融總量、金融效率方面都存在較大的差異，這種區(qū)域金融業(yè)的非均衡發(fā)展，不僅制約著我國金融業(yè)的全面、協(xié)調(diào)與可持續(xù)發(fā)展，更制約著我國經(jīng)濟社會的全面、協(xié)調(diào)、可持續(xù)的發(fā)展。且在當前金融理論的相關(guān)研究中，多數(shù)為宏觀金融與微觀金融研究，而以區(qū)域金融為研究對象的中觀金融研究則少之又少。本文正是在這種背景下，致力于探究我國區(qū)域金融業(yè)非均衡發(fā)展這一問題的。 本文采用靜態(tài)描述分析與動態(tài)趨勢分析相結(jié)合、規(guī)范與實證分析相結(jié)合的研究方法，力爭有效、客觀地反映我國區(qū)域金融業(yè)非均衡發(fā)展的真實情況。本文主要內(nèi)容包括四部分：首先，本文對區(qū)域金融的屬性、理論、動因及發(fā)展指標進行了概述分析；其次，，對我國東中西三大經(jīng)濟區(qū)域的金融業(yè)發(fā)展差異進行了主成分分析和演變趨勢分析；然后，對引起我國區(qū)域金融非均衡的原因進行了回歸分析，并采用基于回歸的分解方法，對各回歸原因?qū)^(qū)域金融業(yè)發(fā)展差異的貢獻度進行分解，以判斷導(dǎo)致我國區(qū)域金融業(yè)非均衡發(fā)展的主要原因；最后，通過前文的研究結(jié)論，有針對性地提出協(xié)調(diào)我國區(qū)域金融業(yè)發(fā)展的對策與建議。 本文研究表明,首先，在當前情況下，無論是三大區(qū)域間、還是區(qū)域內(nèi)部的的金融業(yè)發(fā)展差異都較為明顯；其次，本文選取的經(jīng)濟規(guī)模、經(jīng)濟結(jié)構(gòu)、市場化程度、物質(zhì)資本、政府干預(yù)、創(chuàng)新和地理區(qū)位因素，能夠較好地解釋區(qū)域金融業(yè)的發(fā)展差異，模型擬合優(yōu)度高達92%；最后，原因分解結(jié)果顯示，導(dǎo)致我國區(qū)域金融業(yè)非均衡發(fā)展的主要原因是區(qū)域經(jīng)濟規(guī)模、區(qū)域經(jīng)濟結(jié)構(gòu)、政府干預(yù)三個因素。本文的創(chuàng)新之處，一方面在于采用了靜態(tài)分析和動態(tài)分析相結(jié)合的方法對我國區(qū)域金融業(yè)的發(fā)展差異進行了度量，另一方面在于本文對影響我國區(qū)域金融業(yè)發(fā)展差異的各種原因進行了原因分解，最后得出其主要的原因。
[Abstract]:Financial industry, as a bridge and hub connecting different markets and different elements, plays a key role in the allocation of market resources and is an indispensable part of credit economy and monetary economy. China's financial industry has experienced the development of reform and opening up for more than 30 years, now it has become a comprehensive development of modern financial industry which integrates banking, securities and insurance. However, as a severe injury of the modern financial industry of our country, there are great differences in the financial structure, the total amount and the financial efficiency of the regional financial industry in our country. This kind of unbalanced development of the regional financial industry, It not only restricts the overall, coordinated and sustainable development of our financial industry, but also restricts the overall, coordinated and sustainable development of our country's economy and society. In the current research of financial theory, most of them are macro-finance and micro-finance, but the research on regional finance is rare. Under this background, this paper is devoted to exploring the unbalanced development of regional financial industry in China. This paper adopts the research method of combining static description analysis with dynamic trend analysis and normative analysis with empirical analysis in order to effectively and objectively reflect the real situation of unbalanced development of regional financial industry in China. The main contents of this paper include four parts: first, this paper summarizes the attributes, theory, motivation and development indicators of regional finance; secondly, Based on the principal component analysis and evolution trend analysis of the financial industry development difference in the three major economic regions of east, west and east in China, this paper makes a regression analysis on the causes of the regional financial disequilibrium in China, and adopts the decomposition method based on regression. In order to judge the main reasons that lead to the unbalanced development of regional financial industry in China, the contribution degree of each regression reason to the regional financial industry development difference is decomposed. Finally, through the above research conclusion, The countermeasures and suggestions to coordinate the development of regional financial industry in China are put forward. The research shows that, first of all, in the current situation, the financial industry development difference between the three regions or within the region is obvious; secondly, the economic scale, economic structure, marketization degree, material capital, the economic scale, the economic structure, the marketization degree, the material capital, the economic scale, the economic structure, the marketization degree, the material capital, The factors of government intervention, innovation and geographical location can explain the development difference of regional financial industry well, and the goodness of fit of the model is as high as 922.Finally, the result of cause decomposition shows that, The main causes of unbalanced development of regional financial industry in China are regional economic scale, regional economic structure and government intervention. The innovation of this paper lies in the combination of static analysis and dynamic analysis to measure the differences in the development of regional financial industry in China. On the other hand, this paper analyzes the reasons that affect the development of regional financial industry in China, and finally comes to the main reasons.
【學(xué)位授予單位】：湘潭大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2012
【分類號】：F832.7

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