本文選題：銀行業(yè)發(fā)展　切入點(diǎn)：經(jīng)濟(jì)增長　出處：《西安科技大學(xué)》2014年碩士論文

【摘要】：自金融發(fā)展理論誕生以來，經(jīng)濟(jì)學(xué)家就金融與經(jīng)濟(jì)增長之間的關(guān)系進(jìn)行了卓有成效的研究，然而，由于各國和各地區(qū)經(jīng)濟(jì)金融發(fā)展情況的不同，學(xué)者關(guān)于兩者之間相互關(guān)系的研究結(jié)論存在較大分歧；我國是以銀行為主的間接金融占主導(dǎo)地位的國家，將該方面的研究具體到省份層面，研究銀行業(yè)與地區(qū)經(jīng)濟(jì)增長之間的關(guān)系具有重要的理論和現(xiàn)實(shí)意義。在本文中，，將以陜西省為研究對(duì)象，采用理論和實(shí)證相結(jié)合的方法，在介紹國內(nèi)外關(guān)于經(jīng)濟(jì)增長、金融發(fā)展的理論的基礎(chǔ)上，介紹銀行業(yè)發(fā)展與經(jīng)濟(jì)增長之間關(guān)系的相關(guān)研究現(xiàn)狀，而后，應(yīng)用描述性統(tǒng)計(jì)分析的方法分析陜西省經(jīng)濟(jì)和銀行業(yè)1990-2012年間的發(fā)展情況和相互關(guān)系，并做理論分析；最后，構(gòu)建含有銀行業(yè)影響因素的C-D生產(chǎn)函數(shù)模型，借助ADF和PP檢驗(yàn)、協(xié)整檢驗(yàn)等計(jì)量經(jīng)濟(jì)學(xué)方法對(duì)陜西省經(jīng)濟(jì)增長做實(shí)證分析，主要研究結(jié)論如下： （1）陜西省經(jīng)濟(jì)總量提高但是發(fā)展水平層次較低；一產(chǎn)占比下降、二產(chǎn)占比先降后增、三產(chǎn)絕對(duì)量逐年增加，產(chǎn)業(yè)結(jié)構(gòu)日趨合理，但是產(chǎn)業(yè)內(nèi)部結(jié)構(gòu)亟需完善；消費(fèi)和凈出口對(duì)經(jīng)濟(jì)增長的貢獻(xiàn)率較低，投資極大的促進(jìn)了陜西經(jīng)濟(jì)的增長。 （2）陜西省銀行業(yè)規(guī)模增大，銀行業(yè)的集中度有所降低，但是存在信貸過度集中現(xiàn)象，在銀行業(yè)信貸充足的情況下對(duì)中小企業(yè)和非公企業(yè)支持不夠。銀行業(yè)動(dòng)員資金的能力較強(qiáng)，儲(chǔ)蓄向投資的轉(zhuǎn)化效率較低，銀行業(yè)集中度與經(jīng)濟(jì)增長總體上呈現(xiàn)反方向變化。 （3）通過實(shí)證可以知道：銀行業(yè)發(fā)展規(guī)模、勞動(dòng)力發(fā)展水平、資本投入水平對(duì)經(jīng)濟(jì)增長有正向作用，銀行業(yè)發(fā)展效率對(duì)經(jīng)濟(jì)增長有負(fù)向的影響，銀行業(yè)規(guī)模對(duì)經(jīng)濟(jì)增長的促進(jìn)有滯后性，而經(jīng)濟(jì)增長對(duì)銀行業(yè)規(guī)模的負(fù)向影響短期顯著，銀行業(yè)發(fā)展效率對(duì)經(jīng)濟(jì)增長的負(fù)向影響在當(dāng)期就表現(xiàn)出來，經(jīng)濟(jì)增長對(duì)銀行業(yè)發(fā)展效率促進(jìn)作用僅在當(dāng)期顯著，勞動(dòng)力發(fā)展水平對(duì)于經(jīng)濟(jì)增長的促進(jìn)作用具有一定的滯后性，資本投入水平對(duì)于經(jīng)濟(jì)增長的正向帶動(dòng)作用在長期更為顯著。
[Abstract]:Since the birth of the theory of financial development, economists have carried out fruitful research on the relationship between finance and economic growth. However, due to the differences of economic and financial development in different countries and regions, Scholars have different conclusions on the relationship between the two. China is a country dominated by indirect finance, which is dominated by banks. It is of great theoretical and practical significance to study the relationship between banking and regional economic growth. In this paper, we will take Shaanxi Province as the research object and adopt the method of combining theory and demonstration to introduce the economic growth at home and abroad. On the basis of the theory of financial development, this paper introduces the current research status of the relationship between banking development and economic growth, and then applies descriptive statistical analysis method to analyze the development and mutual relationship between Shaanxi economy and banking industry from 1990 to 2012. Finally, the C-D production function model with the influence factors of banking is constructed, and the econometrics methods such as ADF and PP test and cointegration test are used to analyze the economic growth of Shaanxi Province. The main conclusions are as follows:. 1) the total economic volume of Shaanxi Province is increased, but the level of development is low, the ratio of the first output to the second is decreased first, the ratio of the second output to the second is decreased first, the absolute quantity of the third output is increasing year by year, the industrial structure is becoming more and more reasonable, but the internal structure of the industry needs to be improved urgently. The contribution rate of consumption and net export to economic growth is low, and investment has greatly promoted the growth of Shaanxi economy. (2) the banking industry in Shaanxi Province has increased in size and the concentration of banking industry has decreased, but there is a phenomenon of excessive concentration of credit. When there is sufficient credit in the banking sector, there is insufficient support for small and medium-sized enterprises and non-public enterprises, and the banking industry has a strong ability to mobilize funds. The conversion efficiency from savings to investment is low, and banking concentration and economic growth generally change in the opposite direction. (3) We can know that the scale of banking development, the level of labor force development and the level of capital input have positive effects on economic growth, and the efficiency of banking development has a negative impact on economic growth. The scale of the banking industry has a lag in promoting economic growth, while the negative impact of economic growth on the scale of the banking industry is significant in the short term, and the negative impact of the development efficiency of the banking industry on the economic growth appears in the current period. The role of economic growth in promoting the efficiency of banking development is only significant in the current period, the level of labor force has a certain lag in promoting economic growth, and the positive driving effect of capital investment level on economic growth is more significant in the long run.
【學(xué)位授予單位】：西安科技大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.3;F124.1

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