【摘要】：隨著地方金融在地方經(jīng)濟發(fā)展中地位的不斷提升和正向影響力的不斷擴大，如何提升區(qū)域內(nèi)部的金融生態(tài)環(huán)境促進當(dāng)?shù)亟鹑跇I(yè)的良性發(fā)展便成了省域經(jīng)濟發(fā)展中不可回避的話題。由于金融資源有較強的流動性，再加上福建省地處東部沿海緊鄰長三角經(jīng)濟區(qū)與珠三角經(jīng)濟區(qū)，如何在兩大經(jīng)濟區(qū)的強大輻射下提升自己的金融生態(tài)環(huán)境，聚集自身的金融資源，便成了福建省未來經(jīng)濟發(fā)展的重中之重。 本文采用統(tǒng)計分析與時間序列模型相結(jié)合、靜態(tài)分析與動態(tài)研究相結(jié)合的方法，系統(tǒng)全面的對福建省金融生態(tài)運行態(tài)勢和特點進行統(tǒng)計分析和實證研究，結(jié)合其存在的問題提出若干優(yōu)化福建省金融生態(tài)的對策建議。 首先，本文對區(qū)域金融生態(tài)系統(tǒng)的概念、結(jié)構(gòu)、運行機制及運行態(tài)勢判斷依據(jù)進行定義和闡釋，作為統(tǒng)計分析和實證研究的理論基礎(chǔ)。其次，選擇金融業(yè)在當(dāng)?shù)亟?jīng)濟中的地位、銀行系統(tǒng)、證券系統(tǒng)、保險系統(tǒng)等四個方面相關(guān)指標(biāo)，通過與全國平均水平和江蘇省進行比較，對福建省金融生態(tài)運行態(tài)勢進行統(tǒng)計分析和研究。再次，運用熵權(quán)法對東南沿海六省金融生態(tài)運行態(tài)勢進行評價和比較，以選擇度量區(qū)域金融生態(tài)運行態(tài)勢的指標(biāo)作為被解釋變量，通過誤差修正模型對影響福建省金融生態(tài)運行態(tài)勢的主要因素進行實證分析。最后，根據(jù)統(tǒng)計分析和實證研究結(jié)果提出優(yōu)化福建省金融生態(tài)運行態(tài)勢的若干對策建議。 論文研究得出的主要結(jié)論是：（1）通過與沿海六省的金融生態(tài)環(huán)境相對比，福建省金融生態(tài)的運行態(tài)勢還處于相對落后的位置，，排在六省中的第五位；（2）結(jié)合福建省實際情況對金融生態(tài)評價指標(biāo)中權(quán)重最高的指標(biāo)（金融業(yè)增加值占地區(qū)生產(chǎn)總值比重）的影響因素進行深度挖掘。從長期均衡的角度出發(fā)，發(fā)現(xiàn)金融機構(gòu)存貸比（即貸款余額/存款余額）、固定資產(chǎn)投資來源中的國內(nèi)貸款占國內(nèi)貸款與自籌資金之和的比重以及金融機構(gòu)中長期貸款占貸款余額的比重均對該指標(biāo)產(chǎn)生正向影響。（3）結(jié)合實證分析對福建省金融生態(tài)主體與金融生態(tài)系統(tǒng)運行機制提出合理的優(yōu)化對策。
[Abstract]:With the increasing status and positive influence of local finance in local economic development, How to promote the regional financial ecological environment to promote the benign development of the local financial industry has become an unavoidable topic in the development of provincial economy. Due to the strong fluidity of financial resources and the fact that Fujian Province is located in the eastern coastal area adjacent to the Yangtze River Delta Economic Zone and the Pearl River Delta Economic Zone, how to improve its own financial ecological environment under the strong radiation of the two major economic zones, Gather oneself financial resource, became the most important of future economic development of Fujian Province. This paper combines the statistical analysis with the time series model, the static analysis with the dynamic research, systematically and comprehensively carries on the statistical analysis and the demonstration research to the Fujian Province finance ecology movement situation and the characteristic. Combined with its existing problems, some countermeasures and suggestions for optimizing Fujian's financial ecology are put forward. Firstly, this paper defines and interprets the concept, structure, operating mechanism and operational situation of regional financial ecosystem, which is the theoretical basis of statistical analysis and empirical research. Secondly, select the financial industry's position in the local economy, the banking system, the securities system, and the insurance system, and compare them with the national average and Jiangsu Province. To Fujian Province financial ecology movement situation carries on the statistical analysis and the research. Thirdly, using entropy weight method to evaluate and compare the operating situation of financial ecology in six provinces along the southeast coast, taking the index of measuring regional financial ecological situation as the explanatory variable. Based on the error correction model, this paper analyzes the main factors that affect the financial ecological situation in Fujian Province. Finally, according to the results of statistical analysis and empirical research, some countermeasures and suggestions are put forward to optimize the situation of financial ecology in Fujian Province. The main conclusions of this paper are as follows: (1) compared with the financial ecological environment of the six coastal provinces, Fujian Province is still in a relatively backward position, ranking fifth among the six provinces; (2) combined with the actual situation of Fujian Province, this paper deeply excavates the influential factors of the most important index of financial ecological evaluation (the proportion of financial value added to the regional gross domestic product). From the perspective of long-term equilibrium, It is found that the ratio of deposit to loan of financial institutions (that is, loan balance / deposit balance), the proportion of domestic loans in fixed asset investment sources to the sum of domestic loans and self-financing, and the proportion of medium- and long-term loans of financial institutions to loan balances are all found. (3) combining with the empirical analysis, the author puts forward the reasonable optimization countermeasures to the financial ecological main body and the financial ecosystem operating mechanism of Fujian Province.
【學(xué)位授予單位】：華僑大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F832.7;F224

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