發(fā)布時間：2018-09-17 07:36

【摘要】：“‘兩化’互動、統(tǒng)籌城鄉(xiāng)”發(fā)展戰(zhàn)略是在四川省第十次黨代會上提出來的。所謂“兩化”就是指工業(yè)化和城鎮(zhèn)化。 “兩化”的發(fā)展水平是衡量我國現(xiàn)代化程度的重要標(biāo)志,也是一個國家或地區(qū)經(jīng)濟(jì)發(fā)展水平的集中體現(xiàn)。它們就好像一對孿生姊妹,工業(yè)化必然帶來城鎮(zhèn)化的發(fā)展,城鎮(zhèn)化反過來又會促進(jìn)工業(yè)化的進(jìn)步。 工業(yè)化是指一個國家或地區(qū)從一種社會形態(tài)向另一種社會形態(tài)轉(zhuǎn)變的過程,這種形態(tài)的轉(zhuǎn)變過程主要表現(xiàn)在大機(jī)器、大生產(chǎn)、大技術(shù)替代傳統(tǒng)手工生產(chǎn),社會生產(chǎn)力顯著提高,國民財富快速增長,現(xiàn)代化程度逐步提升,傳統(tǒng)的農(nóng)業(yè)社會結(jié)構(gòu)逐步被以高新技術(shù)產(chǎn)業(yè)為支撐的工業(yè)社會所替代的過程。這種過程中伴隨著技術(shù)的革新,意識形態(tài)領(lǐng)域的發(fā)展,體制機(jī)制的創(chuàng)新、人們生活方式的轉(zhuǎn)變,就業(yè)結(jié)構(gòu)的轉(zhuǎn)化,人均收入的增長,社會財富的積累。 城鎮(zhèn)化是社會生產(chǎn)力發(fā)展到一定階段的必然產(chǎn)物,也是我國當(dāng)前經(jīng)濟(jì)社會發(fā)展的重要引擎。城鎮(zhèn)化又名城市化,是對于城市發(fā)展的過程和結(jié)果的高度概括,其直接的表現(xiàn)方式是農(nóng)村人口轉(zhuǎn)變成為了城鎮(zhèn)人口,城鎮(zhèn)數(shù)量和大小逐漸增加,城鎮(zhèn)逐步取代農(nóng)村,城鎮(zhèn)居民收入提高。其間接的表現(xiàn)形式是：人們生產(chǎn)關(guān)系和生活方式的變化,價值觀念的轉(zhuǎn)變,社會思潮的發(fā)展；城鎮(zhèn)化的過程伴隨著工業(yè)化進(jìn)程的發(fā)展,社會生產(chǎn)力大幅提高；城鎮(zhèn)經(jīng)濟(jì)發(fā)展迅猛并逐步占據(jù)經(jīng)濟(jì)發(fā)展中的首要地位。 目前,四川工業(yè)化城鎮(zhèn)化水平與全國平均水平相比還有較大差距,.資金短缺是其中一個較大的障礙。金融作為國民經(jīng)濟(jì)的核心命脈,具有優(yōu)化生產(chǎn)要素布局、整合優(yōu)勢資源的作用,在經(jīng)濟(jì)社會發(fā)展中扮演著十分重要的角色。因此,深入探討“兩化”與金融發(fā)展的關(guān)系；“兩化”互動過程中,金融如何提供足夠的資金支持推動“兩化”的發(fā)展,在當(dāng)今時代具有很強的現(xiàn)實意義。 論文的第一章節(jié)為緒論部分,簡要分析了選題的背景和意義,本文的框架結(jié)構(gòu)及存在的優(yōu)點不足。由于研究條件及個人知識水平有限,雖然筆者用了大量的時間查找數(shù)據(jù),但是本文所建立的模型只是小樣本模型,在以后的工作中還當(dāng)進(jìn)一步完善。 論文的第二章節(jié)分別對工業(yè)化、城鎮(zhèn)化和金融發(fā)展的概念、內(nèi)涵、相關(guān)理論做了詳細(xì)描述,并在此基礎(chǔ)上分析了三者之間的關(guān)系,即“兩化”是如何互動發(fā)展的,“兩化”與金融發(fā)展的相互影響和作用機(jī)制。 本章第一小節(jié)首先給出工業(yè)化的概念和內(nèi)涵。其次將各個學(xué)派的工業(yè)化理論進(jìn)行了概括歸類,大體可以分為四大理論：大推進(jìn)理論、不平衡發(fā)展理論、二元經(jīng)濟(jì)結(jié)構(gòu)理論、經(jīng)濟(jì)成長階段論。再次將工業(yè)化按階段進(jìn)行劃分,劃分的標(biāo)準(zhǔn)主要依據(jù)兩大理論：庫茲涅茨工業(yè)化論、標(biāo)準(zhǔn)工業(yè)化結(jié)構(gòu)轉(zhuǎn)換模型。最后,羅列分析了各項評定工業(yè)化標(biāo)準(zhǔn)的指標(biāo)。第二小節(jié)研究的城鎮(zhèn)化理論,首先也是給城鎮(zhèn)化下了定義,根據(jù)不同學(xué)者研究目的和角度的不同,城鎮(zhèn)化有各種不同的定義。歸納起來,城鎮(zhèn)化分為：非實體城鎮(zhèn)化,即人們思想、認(rèn)知、意識、精神層面的變化,由以往的農(nóng)村層面的生活方式轉(zhuǎn)變?yōu)槌擎?zhèn)生活方式的過程。實體城鎮(zhèn)化,主要表現(xiàn)在城鎮(zhèn)大小、數(shù)量、規(guī)模、人口數(shù)、產(chǎn)業(yè)結(jié)構(gòu)等的變化過程。通過城鎮(zhèn)化的過程,逐步消除農(nóng)村與城鎮(zhèn)的二元結(jié)構(gòu),實現(xiàn)城鄉(xiāng)一體化,并最終實現(xiàn)經(jīng)濟(jì)社會全面協(xié)調(diào)發(fā)展。其次,按照城鎮(zhèn)化的內(nèi)容劃分,將城鎮(zhèn)化歸納為：人口城鎮(zhèn)化、經(jīng)濟(jì)城鎮(zhèn)化、社會城鎮(zhèn)化。由于數(shù)據(jù)的可采集性,本文在實證部分指標(biāo)的選取上用到的是人口城鎮(zhèn)化指標(biāo),但是筆者認(rèn)為,全面衡量城鎮(zhèn)化發(fā)展水平更多應(yīng)該看社會城鎮(zhèn)化指標(biāo)。社會城鎮(zhèn)化主要衡量的是隨著經(jīng)濟(jì)社會的全面發(fā)展,人們物質(zhì)生活水平是否隨之提高、精神文化是否更加豐富、幸福指數(shù)是否逐步提升等,這才是城鎮(zhèn)化最終要實現(xiàn)的目標(biāo)。如果城鎮(zhèn)化僅僅表現(xiàn)為城鎮(zhèn)數(shù)量增多、城鎮(zhèn)人口增長、城鎮(zhèn)經(jīng)濟(jì)發(fā)展,但是并不能將發(fā)展成果惠及于民,并不能帶來社會福利、居住環(huán)境等方面的提升,城鎮(zhèn)化就失去了最本質(zhì)的意義。第三小節(jié)介紹了金融的三大理論,即金融結(jié)構(gòu)論、金融抑制論、金融功能論,對三大理論的介紹也是對金融近代發(fā)展史的一個簡要回顧。第四小節(jié)分析了工業(yè)化城鎮(zhèn)化與金融發(fā)展的作用機(jī)制,通過分析得出金融發(fā)展對工業(yè)化城鎮(zhèn)化有積極的推動作用。 論文的第三章深入分析了四川工業(yè)化、城鎮(zhèn)化、金融發(fā)展的現(xiàn)狀,呈現(xiàn)的特征及存在的問題。 3.1節(jié)分析了四川城市發(fā)展現(xiàn)狀,回顧了自改革開放以來,城鎮(zhèn)化發(fā)展的三個階段,并通過分析發(fā)現(xiàn),四川地區(qū)城鎮(zhèn)化水平與全國平均水平還有較大差距：城鎮(zhèn)規(guī)模體系不合理,超大城市只有成都1個,中等和中小城市居多,中間出現(xiàn)斷層現(xiàn)象；四川各地市州發(fā)展差異較大,城鎮(zhèn)化率最高的成都和城鎮(zhèn)化率最低的甘孜州之間相差44.6個百分點,發(fā)展不均衡的現(xiàn)象較為嚴(yán)重。3.2節(jié)回顧了四川建國初期以來工業(yè)化發(fā)展的三個階段,描述了工業(yè)化的現(xiàn)狀和特征,主要表現(xiàn)在：工業(yè)產(chǎn)業(yè)更具競爭力；由一元工業(yè)化向二元工業(yè)化互動發(fā)展轉(zhuǎn)變;傳統(tǒng)工業(yè)化與新型工業(yè)化齊頭并進(jìn)、雙輪驅(qū)動；優(yōu)勢工業(yè)產(chǎn)業(yè)初具規(guī)模、集中度較高,正逐步產(chǎn)生集群效應(yīng)。3.3節(jié)分析了四川金融發(fā)展的現(xiàn)狀,通過總量分析、效率分析、結(jié)構(gòu)分析回顧了改革開放以來四川金融發(fā)展的歷程。3.4節(jié)著重分析四川“兩化”互動與金融發(fā)展中存在的問題,主要表現(xiàn)在：對金融支持工業(yè)化城鎮(zhèn)化認(rèn)識不足,金融發(fā)展缺乏戰(zhàn)略眼光；金融供給總量不足,資金供求缺口明顯：金融支持手段單一,市場機(jī)制難以發(fā)揮作用;城鎮(zhèn)化融資格局存在隱憂,財稅體制亟待規(guī)整；工業(yè)化與城鎮(zhèn)化協(xié)調(diào)發(fā)展問題突出。 本文第四章是實證分析部分,通過定量分析的方式探討四川工業(yè)化城鎮(zhèn)化與金融發(fā)展的關(guān)系。 4.1節(jié)介紹了本文指標(biāo)的選取,本文選取了四個指標(biāo)：工業(yè)化率IND(工業(yè)增加值／GDP)、城鎮(zhèn)化率URB(城鎮(zhèn)人口／總?cè)丝?、金融相關(guān)率FIR(金融機(jī)構(gòu)存貸款余額/GDP)、人均GDP。其中,IND和URB是被解釋變量,FIR、RGDP是解釋變量。4.2節(jié)說明了本文數(shù)據(jù)來源。4.3節(jié)介紹了本文所要用到的Panel Data模型以及該模型的三種類型。4.4節(jié)運用eviews軟件,通過比較P值,在混合模型和個體固定效應(yīng)模型中進(jìn)行模型選取,并通過Hausman統(tǒng)計量檢驗排除個體隨機(jī)效應(yīng)模型,因此,本選取的模型為個體固定效應(yīng)模型。4.5節(jié)分別以IND和URB作為被接受變量得出實證結(jié)果。4.6節(jié)對實證結(jié)果進(jìn)行分析得出：(1)四川地區(qū)金融發(fā)展水平、經(jīng)濟(jì)發(fā)展水平與工業(yè)化水平成顯著正相關(guān)關(guān)系,金融的發(fā)展、經(jīng)濟(jì)的增長對于推動工業(yè)化進(jìn)程起到了積極的作用,實證結(jié)果與理論是相符合的。(2)金融發(fā)展對于城鎮(zhèn)化的推動作用也是顯著的,金融發(fā)展與城鎮(zhèn)化成正相關(guān)關(guān)系,人均GDP與城鎮(zhèn)化也成正相關(guān)關(guān)系,且顯著性水平均在95%以上。實證結(jié)果與理論相符合。(3)經(jīng)濟(jì)發(fā)展對工業(yè)化城鎮(zhèn)化的影響比金融更敏感,金融發(fā)展對于工業(yè)化的推動作用比城鎮(zhèn)化更強。由此得出,一是四川地區(qū)正處于工業(yè)化和城鎮(zhèn)化建設(shè)的加速期,此時的經(jīng)濟(jì)發(fā)展具有很強活力,且經(jīng)濟(jì)發(fā)展的成果已經(jīng)惠及到了工業(yè)和城鎮(zhèn)建設(shè)領(lǐng)域,目前四川地區(qū)經(jīng)濟(jì)發(fā)展的態(tài)勢良好。二是四川地區(qū)工業(yè)化發(fā)展步伐超前城鎮(zhèn)化,經(jīng)濟(jì)金融發(fā)展的成果更多惠及到了工業(yè)化中,經(jīng)濟(jì)金融帶動工業(yè)發(fā)展的力度更大,通過實證得出的這一結(jié)論與四川目前發(fā)展的現(xiàn)狀相吻合。當(dāng)前,四川地區(qū)城鎮(zhèn)化水平滯后于工業(yè)化水平,從實證分析也得到了較好的驗證。三是四川地區(qū)應(yīng)當(dāng)進(jìn)一步出臺相應(yīng)的激勵政策,提高金融效率,促進(jìn)金融在支持城鎮(zhèn)化建設(shè)中發(fā)揮更大作用。積極發(fā)展各類金融機(jī)構(gòu),構(gòu)建多元化的金融服務(wù)平臺,提高城鎮(zhèn)化建設(shè)中的金融服務(wù)水平,提升融資的效率。提高金融管理水平,深化金融體制改革,構(gòu)建完善的金融服務(wù)體系,充分激活金融在“兩化”互動中的積極作用,拓展信貸業(yè)務(wù),創(chuàng)新信貸品種,并建立嚴(yán)洛的監(jiān)管機(jī)制,完善政策體系和法律保障,為四川實施“‘兩化’互動、統(tǒng)籌城鄉(xiāng)”發(fā)展戰(zhàn)略營造良好的金融環(huán)境,逐步縮小四川與東部沿海城市的發(fā)展差距,助推四川地區(qū)“兩化”互動發(fā)展再上新的高度。 本文第五章是對策建議部分,通過前面幾個章節(jié)的分析,得出本文的對策：堅定不移推進(jìn)西部金融中心建設(shè)；加快推進(jìn)中小城市金融發(fā)展,構(gòu)建多元化的投融資體系；發(fā)揮金融機(jī)構(gòu)作用,合理利用和發(fā)展政府投資公司；積極推動金融創(chuàng)新；完善農(nóng)村金融服務(wù)體系。 本文主要用實證的方法對目前四川地區(qū)“兩化”互動與金融發(fā)展的關(guān)系、金融如何在“兩化”互動中發(fā)揮更大作用、提供足夠的資金支持進(jìn)行了嘗試性的分析,目的是能夠?qū)⑶叭搜芯砍晒湍壳八拇ǖ陌l(fā)展戰(zhàn)略有機(jī)結(jié)合起來。但是鑒于自身知識的淺薄和工作經(jīng)驗的欠缺,文中肯定存在許多的不足和片面之處,敬請專家學(xué)者們給予批評指正,本人將在以后的工作中繼續(xù)學(xué)習(xí)、繼續(xù)探索。謝謝各位評審專家!
[Abstract]:The development strategy of "the interaction of the two modernizations and the overall planning of urban and rural areas" was put forward at the 10th Party Congress of Sichuan Province. The so-called "two modernizations" refers to industrialization and urbanization.
The development level of "two modernizations" is an important symbol to measure the degree of modernization of our country, and it is also a concentrated reflection of the level of economic development of a country or region.
Industrialization refers to the process in which a country or region changes from one social form to another. The process of transformation is mainly manifested in the replacement of traditional handicraft production by large machines, large-scale production and large-scale technology, the marked improvement of social productive forces, the rapid growth of national wealth, the gradual improvement of modernization, and the traditional agricultural social knot. This process is accompanied by technological innovation, the development of ideology, the innovation of system and mechanism, the change of people's life style, the transformation of employment structure, the increase of per capita income and the accumulation of social wealth.
Urbanization is the inevitable outcome of the development of social productive forces to a certain stage and an important engine of China's current economic and social development. The indirect manifestations are: the change of people's production relations and life styles, the change of values, the development of social ideological trend; the process of urbanization accompanied by the development of industrialization, the social productive forces have greatly increased; the rapid development of urban economy and the gradual occupation of economic development. The first place in the exhibition.
At present, the level of industrialization and urbanization in Sichuan is still lagging behind the national average. The shortage of funds is one of the major obstacles. Finance, as the core lifeline of the national economy, plays a very important role in the economic and social development by optimizing the distribution of production factors and integrating the advantages of resources. It is of great practical significance to discuss the relationship between the two modernizations and the development of finance, and how to provide sufficient financial support to promote the development of the two modernizations in the process of their interaction.
The first chapter of this paper is the introduction part, which briefly analyzes the background and significance of the topic, the framework and the advantages and disadvantages of this paper. One step is perfect.
In the second chapter, the concept, connotation and related theories of industrialization, urbanization and financial development are described in detail. On this basis, the relationship between them is analyzed, that is, how the "two modernizations" develop mutually, and the mutual influence and mechanism between the "two modernizations" and financial development.
The first section of this chapter firstly gives the concept and connotation of industrialization. Secondly, it classifies the industrialization theories of each school into four major theories: the theory of great advance, the theory of unbalanced development, the theory of dual economic structure and the theory of stages of economic growth. According to two theories: Kuznets industrialization theory, standard industrialization structure transformation model. Finally, it lists and analyzes the indicators to evaluate the industrialization standard. The second section studies the urbanization theory, first of all, defines urbanization. According to the different research purposes and angles of different scholars, urbanization has different definitions. To take it into account, urbanization can be divided into non-physical urbanization, that is, the change of people's thinking, cognition, consciousness and spiritual level, the process of changing from the rural life style to the urban life style. Secondly, according to the content of urbanization, urbanization can be divided into population urbanization, Economic Urbanization and social urbanization. Because of the data collection, this paper uses some indicators in the empirical study. It is an indicator of population urbanization, but the author thinks that the overall measure of urbanization development level should be more social urbanization indicators. Urbanization is the ultimate goal of urbanization. If urbanization is only manifested in the increase of the number of towns, the growth of urban population and the development of urban economy, but it can not benefit the people, and can not bring about social welfare, living environment and other aspects of upgrading, urbanization will lose its most essential significance. The third section introduces the three major financial aspects. Theory, namely financial structure theory, financial restraint theory, financial function theory, the introduction of the three major theories is also a brief review of the modern history of financial development.
In the third chapter, the paper analyzes the present situation, characteristics and problems of industrialization, urbanization and financial development in Sichuan.
Section 3.1 analyzes the present situation of urban development in Sichuan Province, reviews the three stages of urbanization since the reform and opening up, and finds that there is still a big gap between the urbanization level in Sichuan and the national average level through the analysis: the urban scale system is unreasonable, there is only one mega-city in Chengdu, most of which are medium-sized and small-sized cities, and there is a fault in the middle. Section 3.2 reviews the three stages of industrialization development since the early founding of the People's Republic of China in Sichuan, describes the current situation and characteristics of industrialization, mainly as follows: Industrial industry is more competitive; from one-dimensional industrialization to two-dimensional industrialization interactive development; traditional industrialization and new industrialization go hand in hand, two-wheel drive; advantage industrial industry has taken shape initially, the degree of concentration is higher, is gradually producing cluster effect. Section 3.3 analyzes the current situation of financial development in Sichuan, through total analysis, efficiency analysis, structure Section 3.4 focuses on the analysis of the problems existing in the interaction between the "two modernizations" and the financial development in Sichuan since the reform and opening up. The main manifestations are as follows: insufficient understanding of financial support for industrialization and urbanization, lack of strategic vision for financial development, insufficient total financial supply, and obvious shortage of capital supply and demand. It is difficult for the market mechanism to play its role because of the single means; there are hidden worries about the financing pattern of urbanization; the fiscal and taxation system needs to be regulated; the coordinated development of industrialization and urbanization is prominent.
The fourth chapter of this paper is the empirical analysis part, through quantitative analysis to explore the relationship between industrialization and urbanization and financial development in Sichuan.
Section 4.1 introduces the selection of indicators in this paper, this paper selects four indicators: industrialization rate IND (industrial added value / GDP), urbanization rate URB (urban population / total population), financial correlation rate FIR (deposit and loan balance / GDP of financial institutions), per capita GDP. Section 4.3 introduces the Panel Data model used in this paper and three types of the model.Section 4.4 uses the Eviews software to select the model in the mixed model and the individual fixed effect model by comparing the P values, and excludes the individual random effect model by Hausman statistic test. Therefore, the selected model is the individual fixed effect model. Section 4.5 takes IND and URB as the accepted variables to get the empirical results. Section 4.6 analyzes the empirical results and draws the following conclusions: (1) There is a significant positive correlation between the level of financial development and the level of economic development and the level of industrialization in Sichuan. The development of Finance and economic growth have played a positive role in promoting the process of industrialization. The empirical results are consistent with the theory. (2) Financial development plays a significant role in promoting urbanization. Financial development has a positive correlation with urbanization, and per capita GDP has a positive correlation with urbanization. The significant level is above 95%. The empirical results are consistent with the theory. (3) The impact of economic development on industrialization and urbanization is more than gold. Financial development is more sensitive than urbanization in promoting industrialization. First, Sichuan is in the accelerating period of industrialization and urbanization. At this time, the economic development is very dynamic, and the fruits of economic development have already benefited the fields of industry and urban construction. Second, the industrialization of Sichuan is ahead of the pace of urbanization, the results of economic and financial development are more beneficial to industrialization, and the economic and financial drive to industrial development is greater. This conclusion is consistent with the current situation of development in Sichuan. At present, the level of urbanization in Sichuan lags behind industrialization. Third, Sichuan should further introduce corresponding incentive policies to improve financial efficiency and promote finance to play a greater role in supporting urbanization. Actively develop all kinds of financial institutions, construct diversified financial service platforms, and improve financial service water in urbanization construction. We should raise the level of financial management, deepen the reform of financial system, build a sound financial service system, fully activate the positive role of Finance in the interaction between the two, expand credit business, innovate credit varieties, establish a strict Luo supervision mechanism, improve the policy system and legal guarantee, and implement the "two" in Sichuan. The development strategy of'interaction, overall planning of urban and rural areas'creates a good financial environment, gradually narrows the development gap between Sichuan and the eastern coastal cities, and promotes the interactive development of'two modernizations' in Sichuan to a new height.
The fifth chapter of this paper is the part of countermeasures and suggestions. Through the analysis of the previous chapters, the Countermeasures of this paper are as follows: unswervingly promoting the construction of financial center in Western China; accelerating the financial development of small and medium-sized cities, building a diversified investment and financing system; giving full play to the role of financial institutions, rationally utilizing and developing government investment companies; and actively promoting finance. Innovation; improve the rural financial service system.
This paper makes a tentative analysis of the relationship between the interaction of "two modernizations" and financial development in Sichuan, how finance plays a greater role in the interaction of "two modernizations" and how to provide sufficient financial support with the purpose of combining the predecessors'research results with the current development strategy of Sichuan. There must be a lot of shortcomings and one-sidedness in the article due to the lack of knowledge and work experience. I would like to ask experts and scholars to criticize and correct them. I will continue to study and explore in the future work. Thank you for your review experts.
【學(xué)位授予單位】：西南財經(jīng)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F299.27;F427;F832.7

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本文編號：2245179