【摘要】：“金融生態(tài)”是由生態(tài)學(xué)的概念仿生而來,許多學(xué)者研究發(fā)現(xiàn)各區(qū)域金融生態(tài)環(huán)境與各經(jīng)濟主體之間存在密切的相互作用,良好的金融生態(tài)環(huán)境能夠促進金融業(yè)健康、全面發(fā)展,提高金融運作的效率與效益。隨著亞洲金融危機和美國次貸危機的大爆發(fā),家庭債務(wù)問題已成為債務(wù)經(jīng)濟學(xué)研究領(lǐng)域重點關(guān)注的問題。本文對我國家庭債務(wù)規(guī)模變動的動態(tài)發(fā)展進行的深入研究,尤其是家庭債務(wù)規(guī)模與金融生態(tài)環(huán)境的關(guān)系等問題,將有助于政府更有效地改善區(qū)域金融生態(tài)環(huán)境質(zhì)量,強化家庭債務(wù)風(fēng)險預(yù)防和管理意識。因此,本文從區(qū)域金融生態(tài)環(huán)境的視角,考察其對家庭債務(wù)規(guī)模變動的影響,具有重要的理論與現(xiàn)實意義。本文基于金融生態(tài)環(huán)境理論、家庭借貸規(guī)模理論,綜合運用文獻研究法、理論與實證分析法、層次分析法等多種研究方法,考察了區(qū)域金融生態(tài)環(huán)境對家庭債務(wù)規(guī)模變動的影響。本文通過定性和定量分析構(gòu)建了各省市區(qū)域金融生態(tài)環(huán)境指標體系,并進行了各準則層的權(quán)重確定,然后根據(jù)金融生態(tài)環(huán)境和家庭債務(wù)規(guī)模變動趨勢,進行了區(qū)域分布與斂散性分析,采用30個省級區(qū)域2006-2013年的相關(guān)統(tǒng)計數(shù)據(jù),通過構(gòu)建動態(tài)面板模型,并運用系統(tǒng)GMM估計方法,考察了區(qū)域金融生態(tài)環(huán)境對家庭債務(wù)規(guī)模變動的影響,并對其相應(yīng)的影響機理展開了理論分析。研究表明:(1)金融生態(tài)環(huán)境對家庭債務(wù)規(guī)模變動具有顯著的正向影響。無論是總體回歸,還是分區(qū)域回歸,金融生態(tài)環(huán)境變量的回歸系數(shù)都為正,且都在1%的顯著性水平下顯著。(2)區(qū)域金融生態(tài)環(huán)境狀況不同,金融生態(tài)環(huán)境與家庭債務(wù)規(guī)模變動的關(guān)系程度也會存在明顯差異,金融生態(tài)環(huán)境較好區(qū)域(Ⅰ區(qū)和Ⅱ區(qū))的金融生態(tài)環(huán)境對家庭借貸規(guī)模的影響程度要高于金融生態(tài)環(huán)境較差區(qū)域(Ⅲ區(qū))。(3)金融生態(tài)環(huán)境評價指標體系中各準則層變量對家庭債務(wù)規(guī)模變動的影響各異,且各區(qū)域間的差異化程度較明顯。本文從區(qū)域金融生態(tài)環(huán)境的視角考察了金融生態(tài)環(huán)境內(nèi)部各準則層對家庭債務(wù)規(guī)模變動的影響及其內(nèi)在機理,是對已有研究的拓展和豐富,本文的研究為研究家庭部門的債務(wù)問題提供了理論支持,具有較為重要的學(xué)術(shù)價值。本文針對區(qū)域金融生態(tài)環(huán)境與治理以及家庭債務(wù)管理中存在的一些問題,對金融機構(gòu),政府和家庭部門等提出了相應(yīng)的政策建議,這樣有利于促進區(qū)域金融生態(tài)環(huán)境的健康長遠發(fā)展,能夠為家庭主體的債務(wù)問題提供一定的借鑒。
[Abstract]:The concept of "financial ecology" is bionic from the concept of ecology. Many scholars have found that there is a close interaction between the regional financial ecological environment and various economic entities, and a good financial ecological environment can promote the health of the financial industry. Comprehensive development to improve the efficiency and effectiveness of financial operations. With the outbreak of the Asian financial crisis and the subprime mortgage crisis in the United States, household debt has become the focus of attention in the field of debt economics. This paper makes an in-depth study on the dynamic development of the scale change of household debt in China, especially on the relationship between the scale of household debt and the financial ecological environment, which will help the government to improve the quality of regional financial ecological environment more effectively. Strengthen household debt risk prevention and management awareness. Therefore, it is of great theoretical and practical significance to study the impact of regional financial ecological environment on the scale of household debt from the perspective of regional financial ecological environment. This paper is based on the theory of financial ecological environment, the scale of household lending, the comprehensive use of literature research, theoretical and empirical analysis, analytic hierarchy process and other research methods. The influence of regional financial ecological environment on the scale of household debt was investigated. In this paper, the index system of regional financial ecological environment is constructed by qualitative and quantitative analysis, and the weights of each criterion layer are determined, and then according to the trend of change of financial ecological environment and household debt scale, This paper analyzes the regional distribution and convergence, adopts the relevant statistical data of 30 provincial regions from 2006 to 2013, constructs the dynamic panel model, and applies the systematic GMM estimation method. The influence of regional financial ecological environment on the scale of household debt is investigated, and the corresponding mechanism is analyzed theoretically. The results show that: (1) the financial ecological environment has a significant positive impact on the scale of household debt. The regression coefficients of the financial ecological environment variables are all positive, and all of them are significant at the level of 1% significance. (2) the regional financial ecological environment is different. There will also be significant differences in the relationship between the financial ecological environment and the changes in the scale of household debt. The influence of the financial ecological environment on the scale of household borrowing in the regions with better financial ecological environment (districts 鈪，

本文編號：2228417