【摘要】：在西部大開(kāi)發(fā)的背景下,西部地區(qū)取得了眾多金融資源,使自己的金融產(chǎn)業(yè)得到了跨越式的發(fā)展。但是眾多學(xué)者仍然認(rèn)為中國(guó)金融發(fā)展存在巨大差距。有學(xué)者認(rèn)為,西部地區(qū)金融結(jié)構(gòu)單一、發(fā)展?jié)摿Υ?金融資源該往西流動(dòng)。有學(xué)者認(rèn)為沿海地區(qū)金融效率高、效益高,而資金總會(huì)朝著利潤(rùn)高的地區(qū)流動(dòng)。這也產(chǎn)生了諸多矛盾。金融發(fā)展存在差異已成事實(shí),金融資源該如何進(jìn)行宏觀分配?在如今金融資源分配的格局下,中國(guó)區(qū)域的金融效率如何?金融效率的高低,不僅反應(yīng)了金融資源的配置效果,更是反映了金融落后地區(qū)能否趕上去,是否能縮小東西差距,這具有重大意義。本文繼承眾多學(xué)者的觀點(diǎn),采用金融效率三分論的概念,并將金融效率分為微觀、中觀、宏觀層面。定義微觀層面效率為:銀行等金融類市場(chǎng)主體的經(jīng)營(yíng)效率;中觀層面效率為:金融行業(yè)的發(fā)展效率;宏觀層面效率為:金融要素的配置效率。本文先基于中觀視角,使用考慮松弛變量的網(wǎng)絡(luò)DEA模型(NSBM模型),對(duì)各地金融業(yè)發(fā)展效率進(jìn)行了測(cè)度,并按照“量”與“質(zhì)”的要求(沈軍,2006),將金融業(yè)發(fā)展效率分解成“規(guī)模創(chuàng)造階段效率”與“利潤(rùn)產(chǎn)生階段效率”,探究效率形成的“黑箱”,以及結(jié)合面板Tobit模型考察了其影響路徑[1]。研究發(fā)現(xiàn):第一,各地區(qū)金融業(yè)發(fā)展效率大體上按照“東高西低”特征分布,但效率值的絕對(duì)差異呈現(xiàn)出明顯的收斂態(tài)勢(shì);第二,對(duì)金融業(yè)發(fā)展效率的分解表明,多數(shù)地區(qū)屬于“規(guī)模創(chuàng)造階段效率不高、利潤(rùn)產(chǎn)生階段效率較高”類型,行業(yè)利潤(rùn)創(chuàng)造能力的貢獻(xiàn)最大;第三,人均GDP、產(chǎn)業(yè)結(jié)構(gòu)、市場(chǎng)化程度和政府干預(yù)都顯著促進(jìn)了金融業(yè)效率提升,但金融資源豐裕度卻恰好相反。因此,實(shí)施適宜稟賦的金融改革與發(fā)展策略,推進(jìn)金融業(yè)向效益提升轉(zhuǎn)型,有助于縮小各地區(qū)金融業(yè)效率差距。又基于宏觀層面的視角,利用我國(guó)2005-2014期間省級(jí)面板數(shù)據(jù),運(yùn)用考慮壞產(chǎn)出的的NSBM模型,來(lái)測(cè)度各地區(qū)金融業(yè)配置效率,并按照“量”與“質(zhì)”的要求將金融業(yè)配置效率分解為“資源獲取階段效率”和“資源配置階段效率”,在此基礎(chǔ)上運(yùn)用面板Tobit模型考察各地金融業(yè)配置效率差異的影響因素、并分析了異化路徑。研究發(fā)現(xiàn):第一,金融配置效率高的地區(qū)更集中與開(kāi)放、快速發(fā)展中的地區(qū),例如上海、內(nèi)蒙古、重慶。金融資源獲取效率集中在經(jīng)濟(jì)發(fā)達(dá)地區(qū)第二,政府干預(yù)有效的減少了金融部門的盲目性,使資金能更有效的配置到生產(chǎn)部門,產(chǎn)生更大的社會(huì)效益。作者最后指出:第一,金融配置效率與發(fā)展效率在地域上分布是不同的,配置效率高的地區(qū)更集中與開(kāi)放、快速發(fā)展的地區(qū),而發(fā)展效率高的地區(qū)集中在經(jīng)濟(jì)發(fā)達(dá)地區(qū)。第二,政府干預(yù)會(huì)影響金融業(yè)發(fā)展效率下的“利潤(rùn)產(chǎn)生階段效率”,但是從資源配置角度,政府干預(yù)可能會(huì)產(chǎn)生了較高的社會(huì)效益,增加了資源的配置效率。第三,區(qū)域金融資源越多,金融部門發(fā)展越好;但是當(dāng)金融發(fā)展水平過(guò)高時(shí),金融配置效率將降低,也就是說(shuō)金融部門不一定把這些資源都能有效率的投入到生產(chǎn)部門當(dāng)中。
[Abstract]:Under the background of the great development of the western region, the western region has made a lot of financial resources and made its own financial industry develop by leaps and bounds. However, many scholars still believe that there is a huge gap in China's financial development. Haiti's financial efficiency is high and the efficiency is high, but the capital always flows toward the region with high profit. This also brings about many contradictions. The differences in financial development have become a fact. How should financial resources be allocated macroscopically? Under the current pattern of financial resources allocation, what is the financial efficiency of China's region? The financial efficiency not only reflects the financial efficiency. The allocation effect of financial resources reflects whether the financial backward areas can catch up and narrow the gap between the East and the west, which is of great significance. Firstly, this paper uses the network DEA model considering relaxation variables (NSBM model) to measure the development efficiency of financial industry in different places, and according to the requirements of "quantity" and "quality" (Shen). Jun, 2006, decomposes the efficiency of financial industry development into "efficiency in the stage of scale creation" and "efficiency in the stage of profit generation", explores the "black box" of efficiency formation, and examines its impact path with the panel Tobit model [1]. The absolute difference of efficiency value shows an obvious convergence trend; secondly, the decomposition of the development efficiency of the financial industry shows that most of the regions belong to the type of "low efficiency in the stage of scale creation, high efficiency in the stage of profit generation", and the contribution of the industry's profit creation ability is the largest; thirdly, GDP per capita, industrial structure, degree of marketization and government intervention are all factors. Therefore, the implementation of appropriate endowment financial reform and development strategies to promote the transformation of the financial sector to enhance efficiency will help narrow the gap in the efficiency of the financial sector in various regions. NSBM model considering bad output is used to measure the allocation efficiency of financial industry in different regions. According to the requirements of "quantity" and "quality", the allocation efficiency of financial industry is divided into "resource acquisition stage efficiency" and "resource allocation stage efficiency". On this basis, panel Tobit model is used to examine the impact of the differences in allocation efficiency of financial industry in different regions. First, the areas with high efficiency of financial allocation are more centralized and open, and the areas with rapid development, such as Shanghai, Inner Mongolia and Chongqing. The efficiency of financial resources acquisition is concentrated in the economically developed areas. At last, the author points out that: firstly, the distribution of financial allocation efficiency and development efficiency is different in different regions, the areas with high allocation efficiency are more concentrated and open, and the areas with rapid development, while the areas with high development efficiency are concentrated in the economically developed areas. The third is that the more regional financial resources, the better the development of the financial sector; but when the level of financial development is too high, the efficiency of financial allocation will be reduced, that is to say, the financial sector. It is not always possible to put these resources into productive sectors efficiently.
【學(xué)位授予單位】：重慶工商大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F832

【參考文獻(xiàn)】

相關(guān)期刊論文 前10條

1 張玉苗;金浩;;京津冀城市群金融資源配置效率及影響因素實(shí)證研究[J];河北工業(yè)大學(xué)學(xué)報(bào)(社會(huì)科學(xué)版);2017年01期

2 熊曉煉;周迎豐;;西南地區(qū)金融發(fā)展水平評(píng)價(jià)與比較研究[J];西部論壇;2016年05期

3 張華平;;基于StoNED方法區(qū)域金融效率的測(cè)算[J];統(tǒng)計(jì)與決策;2016年14期

4 張浩然;;中國(guó)城市金融集聚的演進(jìn)趨勢(shì)與影響因素:區(qū)域異質(zhì)性視角[J];廣東財(cái)經(jīng)大學(xué)學(xué)報(bào);2016年03期

5 陳長(zhǎng)石;劉和駿;劉晨暉;;金融市場(chǎng)化與地區(qū)發(fā)展不平衡:規(guī)模主導(dǎo)還是效率主導(dǎo)[J];財(cái)貿(mào)經(jīng)濟(jì);2015年11期

6 鄭少智;黃夢(mèng)云;;基于Bayes空間模型的區(qū)域金融發(fā)展影響因素分析[J];商業(yè)研究;2015年01期

7 徐曉光;冼俊城;鄭尊信;;中國(guó)城市金融效率提升路徑探析[J];數(shù)量經(jīng)濟(jì)技術(shù)經(jīng)濟(jì)研究;2014年10期

8 張成思;朱越騰;蘆哲;;對(duì)外開(kāi)放對(duì)金融發(fā)展的抑制效應(yīng)之謎[J];金融研究;2013年06期

9 余泳澤;宣燁;沈揚(yáng)揚(yáng);;金融集聚對(duì)工業(yè)效率提升的空間外溢效應(yīng)[J];世界經(jīng)濟(jì);2013年02期

10 李青原;李江冰;江春;Kevin X.D.Huang;;金融發(fā)展與地區(qū)實(shí)體經(jīng)濟(jì)資本配置效率——來(lái)自省級(jí)工業(yè)行業(yè)數(shù)據(jù)的證據(jù)[J];經(jīng)濟(jì)學(xué)(季刊);2013年02期

，

本文編號(hào)：2183469