本文選題：普惠金融 + 經(jīng)濟增長�。� 參考：《東北農(nóng)業(yè)大學(xué)》2017年碩士論文

【摘要】：金融是現(xiàn)代經(jīng)濟的核心,但不管是發(fā)達國家還是發(fā)展中國家都存在著嚴重的金融排斥問題,這使得一些低收入人群和貧困人群無法享受正常的金融服務(wù)。在這種背景下,聯(lián)合國大會于2005年提出了“普惠金融”概念。在我國,2013年黨中央將普惠金融第一次納入黨的執(zhí)政綱領(lǐng)。2016年,國務(wù)院制定了《推進普惠金融發(fā)展規(guī)劃(2016-2020)》,以上足以說明我國發(fā)展普惠金融的必要性。不可否認,經(jīng)過多年的發(fā)展,黑龍江省金融業(yè)綜合實力大大增強,但是,黑龍江省目前仍存在嚴重的二元金融問題,具體表現(xiàn)為金融資源集中于城市地區(qū)和高端客戶,而農(nóng)村地區(qū)、窮人以及中小微企業(yè)等弱勢群體無法獲得金融服務(wù),這將導(dǎo)致黑龍江省城鄉(xiāng)二元經(jīng)濟和城鄉(xiāng)收入差距進一步擴大,嚴重制約黑龍江省經(jīng)濟社會發(fā)展。在此背景下,以黑龍江省為例,研究普惠金融發(fā)展對經(jīng)濟增長的影響程度并提出相應(yīng)的對策建議,對于黑龍江省乃至全國推進普惠金融體系建設(shè)、促進黑龍江省經(jīng)濟增長具有重要意義。首先,本文在詳細闡述普惠金融提出背景的基礎(chǔ)上,介紹了普惠金融與經(jīng)濟增長的概念以及相關(guān)理論,以此作為研究的理論支撐。其次,在回顧各學(xué)者對普惠金融發(fā)展水平測度體系研究的基礎(chǔ)上,構(gòu)建了普惠金融指數(shù)模型,并利用該模型測度出黑龍江省2005-2014年間的普惠金融發(fā)展水平。結(jié)果顯示黑龍江省普惠金融發(fā)展水平整體上呈現(xiàn)波動上升趨勢,但黑龍江省普惠金融在發(fā)展中仍存在諸多問題和挑戰(zhàn)。再次,本文運用2005-2014年間黑龍江省相關(guān)數(shù)據(jù)構(gòu)建計量模型,定量測度黑龍江省普惠金融發(fā)展水平對經(jīng)濟增長的影響幅度。最后,在實證分析的基礎(chǔ)上,提出通過建立多層次廣覆蓋的金融機構(gòu)體系、加快金融創(chuàng)新以滿足不斷擴大的金融服務(wù)需求、弱化金融扶貧中的“精英俘獲”現(xiàn)象以及發(fā)揮政府在普惠性金融體系建設(shè)中的橋梁紐帶作用等有針對性的對策建議以促進黑龍江省經(jīng)濟增長。
[Abstract]:Finance is the core of modern economy, but there is a serious financial exclusion in both developed and developing countries, which makes some low-income people and poor people unable to enjoy normal financial services. In this context, the general assembly of the United Nations put forward the concept of "Inclusive Finance" in 2005. In China, the Central Committee of the party in 2013 For the first time in the.2016 year of the party's ruling programme, the State Council has formulated the plan for promoting the promotion of financial development (2016-2020), which is sufficient to explain the necessity of the development of Inclusive Finance in China. It is undeniable that the comprehensive strength of Heilongjiang's financial industry has been greatly enhanced after years of development, but there are still serious problems in Heilongjiang province. The two yuan financial problem shows that financial resources are concentrated in urban areas and high-end customers, while the weak groups such as rural areas, poor people and small and micro enterprises are unable to obtain financial services. This will lead to the further expansion of the two yuan economy and the income gap between urban and rural areas in Heilongjiang Province, which seriously restricts the economic and social development of Heilongjiang province. Under the view, taking Heilongjiang Province as an example, it is of great significance to study the influence of Pratt and inclusive financial development on economic growth and put forward corresponding countermeasures and suggestions. It is of great significance to promote the construction of inclusive financial system and promote economic growth of Heilongjiang province in Heilongjiang province and even the whole country. The concept of Inclusive Finance and economic growth and related theories are the theoretical support of the research. Secondly, on the basis of reviewing the research on the measurement system of the general financial development level, the Pratt and inclusive financial index model is constructed, and the model is used to measure the development level of Pratt and whiten Finance in Heilongjiang for 2005-2014 years. It shows that the general financial development level of Heilongjiang province is on the rise, but there are still a lot of problems and challenges in the development of Pratt and whitewash in Heilongjiang province. Thirdly, this paper uses the relevant data of Heilongjiang Province in 2005-2014 years to build a measurement model to quantify the impact of the development level of universal financial Finance on economic growth in Heilongjiang province. Finally, on the basis of the empirical analysis, this paper puts forward the Countermeasures of speeding up financial innovation to meet the increasing demand for financial services, weakening the "elite capture" phenomenon in financial poverty alleviation, and giving full play to the role of the government in the construction of the inclusive financial system. It is suggested to promote economic growth in Heilongjiang province.

【學(xué)位授予單位】：東北農(nóng)業(yè)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F832.7;F127

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