發(fā)布時(shí)間：2018-07-11 12:01

  本文選題：金融產(chǎn)業(yè)結(jié)構(gòu) + 產(chǎn)業(yè)結(jié)構(gòu)��； 參考：《西北大學(xué)》2017年碩士論文

【摘要】：當(dāng)今世界,金融是各國經(jīng)濟(jì)的關(guān)鍵。這些年,伴隨國際經(jīng)濟(jì)、金融的融合,經(jīng)濟(jì)逐漸一體化、全球化、加深化,主要把銀行、證券、保險(xiǎn)與租賃等當(dāng)做核心組織形式的金融行業(yè)逐漸成長為國內(nèi)經(jīng)濟(jì)最為關(guān)鍵、最為重要、最具戰(zhàn)略意義的一個(gè)行業(yè),也是每個(gè)國家需要重點(diǎn)發(fā)展的戰(zhàn)略性核心產(chǎn)業(yè);金融產(chǎn)業(yè)結(jié)構(gòu)是否合理、是否成熟,能夠用來評判國家的整個(gè)金融產(chǎn)業(yè)體系的完善程度,這一領(lǐng)域也開始得到廣大學(xué)者的關(guān)注。當(dāng)期,我國已步入經(jīng)濟(jì)建設(shè)的“十三五”時(shí)期,改革已步入深水區(qū),“調(diào)結(jié)構(gòu),促發(fā)展”為發(fā)展的主基調(diào),在這樣的政策環(huán)境下,為金融產(chǎn)業(yè)結(jié)構(gòu)的優(yōu)化調(diào)整,以及對經(jīng)濟(jì)增長的影響等方面做出理論分析提供指引性建議意義重大。文章以新經(jīng)濟(jì)增長理論、金融發(fā)展理論等相關(guān)理論為基礎(chǔ),分析了金融產(chǎn)業(yè)結(jié)構(gòu)與產(chǎn)業(yè)結(jié)構(gòu)以及經(jīng)濟(jì)增長之間的聯(lián)系,闡述了國內(nèi)金融產(chǎn)業(yè)結(jié)構(gòu)的變化過程與存在現(xiàn)狀,且和英、美這類發(fā)達(dá)國家金融產(chǎn)業(yè)結(jié)構(gòu)的演變做出對比,綜合分析了各國金融產(chǎn)業(yè)結(jié)構(gòu)之間的差異及變化狀況,以1991～2013年國國內(nèi)經(jīng)濟(jì)時(shí)間序列數(shù)據(jù)為基礎(chǔ),對金融產(chǎn)業(yè)結(jié)構(gòu)、產(chǎn)業(yè)結(jié)構(gòu)與經(jīng)濟(jì)增長內(nèi)在的聯(lián)系做出計(jì)量分析。研究結(jié)果表明:一方面國內(nèi)金融產(chǎn)業(yè)結(jié)構(gòu)與產(chǎn)業(yè)結(jié)構(gòu)之間存在相互作用關(guān)系,在金融產(chǎn)業(yè)中對產(chǎn)業(yè)結(jié)構(gòu)優(yōu)化調(diào)整起到主要作用的是銀行業(yè)和保險(xiǎn)業(yè),證券業(yè)的作用并不明顯;另一方面金融產(chǎn)業(yè)結(jié)構(gòu)與經(jīng)濟(jì)發(fā)展存在相互作用關(guān)系,同樣主要是銀行與保險(xiǎn)起到正向推動作用,另外,我國金融產(chǎn)業(yè)自身的發(fā)展并不協(xié)調(diào),結(jié)構(gòu)不夠合理。出現(xiàn)證券行業(yè)作用不能體現(xiàn)出來的原因是由于本文所采用的指標(biāo)方法選取的是證券業(yè)所持有總資產(chǎn)的占比,而證券業(yè)對國民經(jīng)濟(jì)的作用主要來源于股票市場與債券市場等等,其總資產(chǎn)并不能夠反映出其對經(jīng)濟(jì)發(fā)展做出的貢獻(xiàn),所以導(dǎo)致上述結(jié)果出現(xiàn)。最后以上述實(shí)證計(jì)量分析結(jié)果為奠基,為國內(nèi)金融產(chǎn)業(yè)結(jié)構(gòu)、產(chǎn)業(yè)結(jié)構(gòu)與經(jīng)濟(jì)增長三者的相互推動,協(xié)同發(fā)展給出一些政策建議:推動銀行業(yè)改善經(jīng)營模式、治理結(jié)構(gòu),嚴(yán)格監(jiān)管、防控風(fēng)險(xiǎn);鼓勵(lì)支持推進(jìn)保險(xiǎn)業(yè)發(fā)展,推動金融產(chǎn)業(yè)結(jié)構(gòu)多元化進(jìn)程;大力推動證券業(yè)發(fā)展,充分發(fā)揮資本市場為實(shí)體經(jīng)濟(jì)服務(wù)的作用;構(gòu)建金融產(chǎn)業(yè)結(jié)構(gòu)與經(jīng)濟(jì)發(fā)展協(xié)同共生的機(jī)制;本質(zhì)上改變國內(nèi)經(jīng)濟(jì)增長模式。
[Abstract]:In today's world, finance is the key to each country's economy. In recent years, with the integration of the international economy and finance, the gradual integration, globalization, and deepening of the economy, the financial industry, which regards banking, securities, insurance and leasing as the core forms of organization, has gradually grown into the most critical part of the domestic economy. The most important and most strategic industry is also the strategic core industry that each country needs to focus on; whether the structure of the financial industry is reasonable and mature can be used to judge the degree of perfection of the country's entire financial industry system. This field has also begun to attract the attention of the vast number of scholars. In the current period, China has entered the "13th Five-Year Plan" period of economic construction, and the reform has entered deep water areas. "adjusting the structure and promoting development" is the main tone of development. Under such a policy environment, it is necessary to optimize and adjust the structure of the financial industry. And the impact on economic growth and other aspects of theoretical analysis to provide guiding suggestions of great significance. Based on the theory of new economic growth and the theory of financial development, this paper analyzes the relationship between financial industrial structure, industrial structure and economic growth, and expounds the changing process and existing situation of domestic financial industrial structure. Compared with the evolution of financial industry structure in developed countries such as Britain and the United States, this paper comprehensively analyzes the differences and changes among countries' financial industry structure. Based on the domestic economic time series data from 1991 to 2013, the paper analyzes the financial industry structure. The relationship between industrial structure and economic growth is analyzed quantitatively. The results show that: on the one hand, there is an interactive relationship between the domestic financial industry structure and industrial structure, and the banking and insurance industry play a major role in the optimization and adjustment of the industrial structure in the financial industry, but the role of the securities industry is not obvious; On the other hand, the financial industry structure and the economic development have the interaction relations, also mainly is the bank and the insurance plays the positive promotion function, in addition, our country financial industry own development is not coordinated, the structure is not reasonable. The reason why the role of the securities industry cannot be reflected is that the index method adopted in this paper selects the proportion of the total assets held by the securities industry, while the role of the securities industry in the national economy mainly comes from the stock market and the bond market, and so on. Its total assets do not reflect its contribution to economic development, leading to these results. Finally, based on the results of empirical econometric analysis mentioned above, some policy suggestions are given for the mutual promotion of domestic financial industry structure, industrial structure and economic growth. Strict supervision, prevention and control of risks; encourage support to promote the development of the insurance industry, promote the process of diversification of the financial industry structure, vigorously promote the development of the securities industry, give full play to the role of the capital market for the real economy; To construct the mechanism of coordination and symbiosis between financial industrial structure and economic development, and to change the domestic economic growth mode in essence.
【學(xué)位授予單位】：西北大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F832;F124.1;F121.3

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