本文關(guān)鍵詞： 云南 民族自治地方 金融排斥 治理政策　出處：《云南大學(xué)》2014年博士論文　論文類型：學(xué)位論文

【摘要】：金融排斥治理政策是對現(xiàn)實經(jīng)濟發(fā)展中金融排斥態(tài)勢的一種糾偏,民族自治地方應(yīng)成為金融排斥治理政策最大受益者和重點關(guān)注對象,研究民族自治地方金融排斥的治理路徑及其治理政策是治理其金融排斥的有效手段。本論文以馬克思主義民族政策理論、發(fā)展經(jīng)濟學(xué)、金融發(fā)展理論、區(qū)域經(jīng)濟學(xué)、經(jīng)濟地理學(xué)和邊疆經(jīng)濟學(xué)理論等多學(xué)科理論為基礎(chǔ),試圖構(gòu)建一個評價民族自治地方金融排斥態(tài)勢的指標體系和案例模式；同時分析民族自治地方金融排斥治理路徑及其治理政策；以云南民族自治地方為研究對象,在“橋頭堡”戰(zhàn)略的背景下,用實地考察調(diào)研的方式深入分析各民族自治地方的具體金融排斥態(tài)勢和金融排斥治理實現(xiàn)路徑,結(jié)合該領(lǐng)域相關(guān)前沿研究方法和計量分析模型,實證分析云南民族自治地方的金融排斥指標和案例,以此探究最適宜的民族自治地方金融排斥治理路徑,從而為云南民族自治地方實現(xiàn)金融資源的有效配置,達到金融“普惠性”目標功能和地區(qū)金融體系的“包容性”發(fā)展提供一定的政策建議。 論文在理論綜述部分概括研究了本論文的理論基點——分析了金融排斥及其治理理論和研究文獻,分析綜述了云南民族地區(qū)金融發(fā)展和金融普惠的相關(guān)理論成果。按照本論文研究問題的邏輯,為論文研究積奠了理論基礎(chǔ)。 進而,在相關(guān)理論分析的基礎(chǔ)上,本文構(gòu)建了研究的背景框架：云南民族自治地方金融發(fā)展、金融生態(tài)及其經(jīng)濟金融政策實踐與效應(yīng),起到承上啟下的作用,既理清了全文研究的整體思路,也是本文理論推演和實證研究的依據(jù)所在。 在研究的主體部分,以背景框架為基礎(chǔ),論文規(guī)范的、開創(chuàng)性的構(gòu)建了云南民族自治地方金融排斥評價體系。首先,按照民族自治地方金融排斥的界定、民族自治地方金融排斥的影響因素、民族自治地方金融排斥指標評價體系和民族自治地方金融排斥案例評價模式四個層次構(gòu)建全面評價民族自治地方金融排斥態(tài)勢的研究框架。 論文的實證研究部分運用已經(jīng)構(gòu)建的評價體系對云南民族自治地方金融排斥指標評價體系進行了驗證。其次,論文從云南民族自治地方金融體系實際發(fā)展狀況,運用田野調(diào)查等方法,設(shè)計了三大類共計44個指標,深入各個云南民族自治地方的村落,取得了將近5萬個一手調(diào)研數(shù)據(jù),詳盡的分析和評價了云南八大民族自治州的金融排斥案例模式。 為了研究金融排斥的治理,論文首先實證分析了云南民族自治地方的金融排斥效應(yīng)；進而介紹了國內(nèi)外金融排斥治理的實踐發(fā)展；最后結(jié)合云南各民族自治地方自身實際情況,從外部環(huán)境營造、市場主體培育和金融商品創(chuàng)新三個層面,對金融排斥治理路徑進行了分析,給出了具體的云南民族自治地方金融排斥治理政策建議。
[Abstract]:The governance policy of financial exclusion is a correction to the situation of financial exclusion in the development of real economy. National autonomous areas should become the biggest beneficiaries and focus of attention to the governance policy of financial exclusion. It is an effective measure to study the governance path and policy of financial exclusion in ethnic autonomous areas. This paper uses Marxist national policy theory, development economics, financial development theory, regional economics, Based on the theories of economic geography and frontier economics, this paper tries to construct an index system and a case model to evaluate the situation of financial exclusion in ethnic autonomous areas. At the same time, it analyzes the governance path of financial exclusion in ethnic autonomous areas and its governance policies, taking Yunnan ethnic autonomous areas as the research object, under the background of the "bridgehead" strategy, With the method of on-the-spot investigation and investigation, the paper deeply analyzes the specific situation of financial exclusion and the realization path of financial exclusion governance in various ethnic autonomous areas, and combines the relevant frontier research methods and econometric analysis models in this field. This paper analyzes the financial exclusion indexes and cases of Yunnan ethnic autonomous areas, and probes into the most suitable governance path of financial exclusion in Yunnan ethnic autonomous areas, so as to realize the effective allocation of financial resources for Yunnan ethnic autonomous areas. To achieve the goal of financial inclusion and regional financial system of inclusive development to provide some policy recommendations. In the part of theoretical summary, the thesis summarizes the theoretical basis of this thesis-analyzes the theory and research literature of financial exclusion and its governance. This paper analyzes and summarizes the relevant theoretical achievements of financial development and financial inclusion in ethnic minority areas of Yunnan Province. According to the logic of the research in this paper, it lays a theoretical foundation for the research of this paper. Then, on the basis of relevant theoretical analysis, this paper constructs the background frame of the research: financial development, financial ecology and its economic and financial policy practice and effect in Yunnan ethnic autonomous areas, which play the role of connecting the preceding and the following. It not only clarifies the whole train of thought, but also is the basis of theoretical deduction and empirical research. In the main part of the study, based on the background framework, the paper constructs the evaluation system of financial exclusion in Yunnan ethnic autonomous areas. First, according to the definition of financial exclusion in ethnic autonomous areas, The factors affecting financial exclusion in ethnic autonomous areas, the evaluation system of financial exclusion index in ethnic autonomous areas and the evaluation model of financial exclusion cases in ethnic autonomous areas are four levels to construct a research framework for the overall evaluation of the situation of financial exclusion in ethnic autonomous areas. In the part of the empirical research, the author verifies the evaluation system of the financial exclusion index in Yunnan ethnic autonomous areas by using the evaluation system that has been constructed. Secondly, the paper analyzes the actual development of the financial system in Yunnan ethnic autonomous areas. Using field investigation and other methods, three categories of 44 indexes were designed to go deep into villages in various ethnic autonomous areas of Yunnan, and nearly 50,000 primary survey data were obtained. Detailed analysis and evaluation of Yunnan eight major ethnic autonomous prefectures financial exclusion case model. In order to study the governance of financial exclusion, the paper first empirically analyzes the financial exclusion effect in Yunnan ethnic autonomous areas, and then introduces the practice and development of financial exclusion governance at home and abroad. Finally, according to the actual situation of each ethnic autonomous area in Yunnan, the paper analyzes the governance path of financial exclusion from three aspects of external environment construction, market main body cultivation and financial commodity innovation. This paper gives specific policy recommendations on financial exclusion in Yunnan ethnic autonomous areas.
【學(xué)位授予單位】：云南大學(xué)
【學(xué)位級別】：博士
【學(xué)位授予年份】：2014
【分類號】：F832.7

【參考文獻】

相關(guān)期刊論文 前10條

1 胡恒松;;建設(shè)社會主義新農(nóng)村和民族地區(qū)經(jīng)濟發(fā)展[J];北方經(jīng)濟;2005年15期

2 李愛喜;章玲超;;農(nóng)村金融生態(tài)功能恢復(fù)原理與政策研究[J];財經(jīng)論叢;2007年02期

3 田霖;;我國金融排除空間差異的影響要素分析[J];財經(jīng)研究;2007年04期

4 何曉夏;章林;;中國區(qū)域金融結(jié)構(gòu)差異研究[J];金融論壇;2010年01期

5 董積生;農(nóng)村信用社“小額信貸”的可持續(xù)發(fā)展探討[J];湖北社會科學(xué);2003年07期

6 施文正,戴燕;加快西部少數(shù)民族地區(qū)經(jīng)濟發(fā)展的法律問題[J];廣播電視大學(xué)學(xué)報(哲學(xué)社會科學(xué)版);2001年01期

7 田霖;;我國金融排斥的城鄉(xiāng)二元性研究[J];中國工業(yè)經(jīng)濟;2011年02期

8 趙靜;文化產(chǎn)業(yè)與民族地區(qū)經(jīng)濟發(fā)展探析[J];桂海論叢;2003年06期

9 孔秀葉;;金融排斥與我國民間金融的發(fā)展[J];消費導(dǎo)刊;2008年10期

10 張曉瓊;任新民;;中國特色社會主義在邊疆民族地區(qū)的探索與實踐[J];貴州大學(xué)學(xué)報(社會科學(xué)版);2010年02期

相關(guān)博士學(xué)位論文 前2條

1 晏淼;云南民族地區(qū)發(fā)展勞務(wù)經(jīng)濟的政策選擇研究[D];云南大學(xué);2010年

2 呂懷玉;邊疆民族地區(qū)減貧戰(zhàn)略研究[D];云南大學(xué);2013年

相關(guān)碩士學(xué)位論文 前2條

1 徐志超;邊疆少數(shù)民族地區(qū)貧困治理研究[D];云南大學(xué);2013年

2 王宇航;云南少數(shù)民族地區(qū)區(qū)域發(fā)展模式研究[D];昆明理工大學(xué);2013年

，

本文編號：1518869