【摘要】：我國(guó)幅員遼闊,各個(gè)區(qū)域由于地理位置不同,自然稟賦和發(fā)展歷史也存在差異,在自然演化中形成了不同的產(chǎn)業(yè)結(jié)構(gòu)和金融機(jī)構(gòu)布局,由此導(dǎo)致區(qū)域經(jīng)濟(jì)增長(zhǎng)水平存在差異。改革開(kāi)放以來(lái),經(jīng)歷了三十余年的總體高速發(fā)展后,在后經(jīng)濟(jì)轉(zhuǎn)型時(shí)期區(qū)域間經(jīng)濟(jì)增長(zhǎng)的不平衡愈來(lái)愈明顯,而金融資源也呈現(xiàn)區(qū)域集聚特征。尤為值得關(guān)注的是,區(qū)域間經(jīng)濟(jì)增長(zhǎng)水平的不平衡已經(jīng)衍生出許多問(wèn)題,如大城市的人口擁擠、農(nóng)民工難以融入城市和留守兒童教育難等,這些問(wèn)題客觀上極大地制約了我國(guó)經(jīng)濟(jì)的可持續(xù)發(fā)展,也與當(dāng)前建設(shè)社會(huì)主義和諧社會(huì)的要求是不相適應(yīng)的。雖然產(chǎn)生區(qū)域經(jīng)濟(jì)增長(zhǎng)不平衡的原因是多方面的,但由于現(xiàn)代社會(huì)經(jīng)濟(jì)的金融化傾向越來(lái)越明顯,金融在經(jīng)濟(jì)發(fā)展中的核心地位也日益強(qiáng)化,因此如何從金融發(fā)展與金融深化的角度探究區(qū)域經(jīng)濟(jì)增長(zhǎng)不平衡的根源,具有重要的理論與實(shí)踐意義。 金融作為連接資金需求和資金供給的重要媒介,具有融資、分配等諸多功能,被譽(yù)為是現(xiàn)代經(jīng)濟(jì)的發(fā)動(dòng)機(jī)。本文以區(qū)域經(jīng)濟(jì)增長(zhǎng)及金融發(fā)展與金融深化理論為基礎(chǔ),闡述了中國(guó)經(jīng)濟(jì)轉(zhuǎn)型過(guò)程中金融對(duì)于經(jīng)濟(jì)增長(zhǎng)的作用機(jī)理,并深入分析了我國(guó)區(qū)域經(jīng)濟(jì)以及區(qū)域金融的演化歷程與發(fā)展現(xiàn)狀。在此基礎(chǔ)上,選取區(qū)域經(jīng)濟(jì)發(fā)展指標(biāo)為被解釋變量,以區(qū)域金融發(fā)展指標(biāo)為解釋變量,構(gòu)建面板數(shù)據(jù)模型,用以檢驗(yàn)中國(guó)經(jīng)濟(jì)轉(zhuǎn)型進(jìn)程中區(qū)域金融支持區(qū)域經(jīng)濟(jì)發(fā)展的效率。依據(jù)所構(gòu)建的理論分析框架,論文以2000-2010年我國(guó)七大區(qū)域的相關(guān)指標(biāo)為研究對(duì)象,選擇區(qū)域生產(chǎn)總值、區(qū)域金融機(jī)構(gòu)本外幣貸款余額、上市公司總市值以及保費(fèi)收入四個(gè)中國(guó)區(qū)域經(jīng)濟(jì)與區(qū)域金融發(fā)展數(shù)據(jù),進(jìn)行實(shí)證研究。檢驗(yàn)結(jié)果表明：從總體上分析,區(qū)域金融與區(qū)域經(jīng)濟(jì)呈現(xiàn)正相關(guān),區(qū)域金融對(duì)區(qū)域經(jīng)濟(jì)的發(fā)展有促進(jìn)作用；從結(jié)構(gòu)上分析,區(qū)域金融支持區(qū)域經(jīng)濟(jì)發(fā)展的三大渠道中,銀行業(yè)對(duì)于我國(guó)區(qū)域經(jīng)濟(jì)增長(zhǎng)的貢獻(xiàn)最大,而證券業(yè)和保險(xiǎn)業(yè)對(duì)于經(jīng)濟(jì)的促進(jìn)作用則比較��；從區(qū)域角度分析,經(jīng)濟(jì)較發(fā)達(dá)地區(qū)的三大行業(yè)對(duì)經(jīng)濟(jì)的促進(jìn)作用普遍高于欠發(fā)達(dá)地區(qū)的,表現(xiàn)最顯著的是銀行領(lǐng)域。根據(jù)實(shí)證結(jié)果,論文從銀行業(yè)、證券業(yè)和保險(xiǎn)業(yè)三個(gè)方面提出了促進(jìn)區(qū)域經(jīng)濟(jì)平衡增長(zhǎng)的政策建議,以期通過(guò)金融資源在區(qū)域間的恰當(dāng)配置,引領(lǐng)實(shí)體資源在各區(qū)域間合理流動(dòng),兼顧經(jīng)濟(jì)增長(zhǎng)的公平與效率。
[Abstract]:Our country has a vast territory. Because of the different geographical position, the natural endowment and the development history are also different. In the natural evolution, different industrial structure and financial institutions are formed, which leads to the difference of the level of regional economic growth. Since the reform and opening up, after more than 30 years of overall rapid development, the imbalance of inter-regional economic growth is becoming more and more obvious in the post-economic transition period, and the financial resources also show the characteristics of regional agglomeration. In particular, the imbalance in the level of interregional economic growth has given rise to many problems, such as the overcrowding of the population in large cities, the difficulty for migrant workers to integrate into the cities and the difficulty in educating left-behind children, etc. These problems objectively restrict the sustainable development of our economy and are not suitable to the requirements of building a harmonious socialist society. Although the reasons for the imbalance of regional economic growth are various, the financial trend of modern society and economy is becoming more and more obvious, and the core position of finance in economic development is increasingly strengthened. Therefore, it is of great theoretical and practical significance to explore the root causes of the imbalance of regional economic growth from the perspective of financial development and financial deepening. As an important medium to connect the demand and supply of funds, finance has many functions, such as financing, distribution and so on. It is regarded as the engine of modern economy. Based on the theories of regional economic growth and financial development and financial deepening, this paper expounds the mechanism of finance's action on economic growth in the process of economic transformation in China. The evolution and development of regional economy and regional finance in China are also analyzed. On this basis, the regional economic development index is selected as the explanatory variable, and the regional financial development index is taken as the explanatory variable, and the panel data model is constructed to test the efficiency of the regional finance supporting the regional economic development in the process of China's economic transformation. According to the theoretical analysis framework, the paper chooses the regional gross domestic product (GDP) and the balance of local and foreign currency loans of regional financial institutions as the research objects, taking the relevant indicators of the seven regions of China from 2000 to 2010 as the research object. An empirical study on the total market capitalization and premium income of four Chinese regional economic and regional financial development data is carried out. The results show that: overall, regional finance and regional economy show positive correlation, regional finance to promote the development of regional economy; From the structural analysis, the banking industry contributes the most to the regional economic growth of our country, but the securities industry and the insurance industry play a relatively small role in promoting the economy of the three major channels of regional financial support to the development of regional economy. From the regional point of view, the promotion effect of the three major industries in the more developed regions is generally higher than that in the less developed areas, and the most obvious one is the banking field. According to the empirical results, the paper puts forward some policy suggestions to promote the balanced growth of regional economy from three aspects: banking industry, securities industry and insurance industry, in order to promote the proper allocation of financial resources among regions. To guide the rational flow of real resources among different regions, and to give consideration to the equity and efficiency of economic growth.
【學(xué)位授予單位】：南京大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類(lèi)號(hào)】：F127;F832.7

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