本文關(guān)鍵詞： 信托 區(qū)域經(jīng)濟(jì) 實(shí)證分析　出處：《云南財(cái)經(jīng)大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

【摘要】：近幾年來(lái)，中國(guó)的信托行業(yè)發(fā)展十分迅速，已躍居成為金融行業(yè)第二大經(jīng)濟(jì)體。信托公司的綜合實(shí)力顯著提升，也極大的提升了信托服務(wù)區(qū)域經(jīng)濟(jì)的實(shí)力，能夠在當(dāng)前宏觀政策下發(fā)揮自身獨(dú)特的優(yōu)勢(shì)，充分把握產(chǎn)業(yè)結(jié)構(gòu)調(diào)整，有針對(duì)性的對(duì)各產(chǎn)業(yè)、企業(yè)提供綜合的金融服務(wù)來(lái)積極促進(jìn)中國(guó)經(jīng)濟(jì)結(jié)構(gòu)的轉(zhuǎn)型。而隨著政府提出加大城鎮(zhèn)化力度，區(qū)域經(jīng)濟(jì)的發(fā)展也成為越來(lái)越多人關(guān)心的問(wèn)題。本文試圖尋找分析信托行業(yè)與區(qū)域經(jīng)濟(jì)發(fā)展之間存在的關(guān)系。 本文研究的方法主要是定性分析和定量分析相結(jié)合。本文先從信托業(yè)作用于區(qū)域經(jīng)濟(jì)的路徑來(lái)分析信托業(yè)對(duì)區(qū)域經(jīng)濟(jì)的促進(jìn)作用。信托財(cái)產(chǎn)具有高效性，信托能夠拓寬區(qū)域內(nèi)的融資渠道，可以促進(jìn)區(qū)域內(nèi)的投資，推動(dòng)區(qū)域內(nèi)的公共事業(yè)，豐富區(qū)域內(nèi)的金融服務(wù)，促進(jìn)區(qū)域內(nèi)產(chǎn)業(yè)與金融的相融合，吸引外資，促進(jìn)區(qū)域內(nèi)的信用體系建設(shè)，盤活國(guó)有資本等等，通過(guò)這些路徑闡明了信托是如何作用于區(qū)域經(jīng)濟(jì)的。文章還分析說(shuō)明了信托促進(jìn)區(qū)域經(jīng)濟(jì)有哪些特點(diǎn)和要素，并舉例說(shuō)明天津信托和中原信托如何作用當(dāng)?shù)亟?jīng)濟(jì)的發(fā)展。 實(shí)證部分，首先分析了東中西部地區(qū)信托業(yè)發(fā)展的差異性，得出信托行業(yè)的發(fā)展也存在區(qū)域內(nèi)的“極差”現(xiàn)象，東部地區(qū)的信托業(yè)發(fā)展水平明顯高于中部和西部地區(qū)，這與東中西部的區(qū)域經(jīng)濟(jì)發(fā)展水平基本相一致；然后通過(guò)分析了26個(gè)省份的區(qū)域經(jīng)濟(jì)指標(biāo)和當(dāng)?shù)匦磐兄笜?biāo)之間的相關(guān)性，得出了人均GDP、人均可支配收入和城鎮(zhèn)居民儲(chǔ)蓄余額與新增信托資產(chǎn)和信托業(yè)務(wù)收入均呈現(xiàn)高度正相關(guān)的關(guān)系；再以云南省為例，運(yùn)用向量誤差修正模型分析了云南省GDP與信托貸款規(guī)模之間的關(guān)系，得出結(jié)論，云南省內(nèi)信托貸款規(guī)模與區(qū)域GDP季度環(huán)比增長(zhǎng)率之間具有長(zhǎng)期穩(wěn)定的均衡關(guān)系，區(qū)域經(jīng)濟(jì)與信托貸款規(guī)模的擴(kuò)張速度的均值變化的方向相同，即信托業(yè)務(wù)的開展情況和區(qū)域經(jīng)濟(jì)的運(yùn)行在長(zhǎng)期具有協(xié)同性和趨同性，信托貸款規(guī)模的擴(kuò)張會(huì)導(dǎo)致區(qū)域經(jīng)濟(jì)的擴(kuò)張，即云南省內(nèi)信托業(yè)務(wù)的發(fā)展對(duì)云南省經(jīng)濟(jì)的增長(zhǎng)具有促進(jìn)作用。 最后，就得出的結(jié)論，從兩方面提出了解決方案，一是進(jìn)一步優(yōu)化信托促進(jìn)區(qū)域經(jīng)濟(jì)發(fā)展，可以通過(guò)加強(qiáng)投入?yún)^(qū)域內(nèi)基礎(chǔ)設(shè)施建設(shè)的信托資金，加強(qiáng)信托資金投入民營(yíng)企業(yè)，扶植其發(fā)展，，合理安排信托資金進(jìn)入房地產(chǎn)企業(yè)，加速信托產(chǎn)品創(chuàng)新，以配合區(qū)域經(jīng)濟(jì)發(fā)展等途徑；二是完善信托業(yè)本身的發(fā)展以更好的促進(jìn)區(qū)域經(jīng)濟(jì)的發(fā)展，比如完善監(jiān)管政策和法律制度等。
[Abstract]:In recent years, the trust industry in China has developed very rapidly, and has become the second largest economy in the financial industry. The comprehensive strength of the trust companies has improved significantly, and the regional economic strength of trust services has also been greatly enhanced. Can give play to its own unique advantages under the current macro policy, fully grasp the industrial structure adjustment, targeted to the various industries. Enterprises provide comprehensive financial services to actively promote the transformation of China's economic structure. The development of regional economy has also become an issue of concern to more and more people. This paper tries to find out the relationship between trust industry and regional economic development. This article mainly studies the method is the qualitative analysis and the quantitative analysis unifies. This article first from the trust industry action to the regional economy path to analyze the trust industry to the regional economy promotion function. The trust property has the high efficiency. Trust can broaden the financing channels in the region, can promote the investment in the region, promote the public utility in the region, enrich the financial services in the region, promote the integration of industry and finance in the region, attract foreign capital. In order to promote the construction of regional credit system, activate the state-owned capital and so on, this paper explains how the trust acts on the regional economy through these paths. The article also analyzes the characteristics and elements of trust to promote the regional economy. Examples are given to illustrate how Tianjin Trust and Central Plains Trust play a role in the development of local economy. In the empirical part, the paper first analyzes the difference of trust industry development in the east, middle and west regions, and draws the conclusion that the development of trust industry also exists "extremely bad" phenomenon in the region. The development level of trust industry in the eastern region is obviously higher than that in the central and western regions, which is basically consistent with the level of regional economic development in the eastern, central and western regions. Then, by analyzing the correlation between regional economic indicators and local trust indicators in 26 provinces, the per capita GDP is obtained. There is a highly positive correlation between the per capita disposable income and the savings balance of urban residents and the new trust assets and trust business income. Then take Yunnan Province as an example, using vector error correction model to analyze the relationship between GDP and trust loan scale in Yunnan Province, and draw a conclusion. There is a long-term stable equilibrium relationship between the scale of trust loans and the quarterly growth rate of regional GDP in Yunnan Province, and the average change direction of the regional economy and the expansion rate of trust loan scale is the same. That is, the development of trust business and the operation of regional economy have long-term synergy and convergence, and the expansion of trust loan scale will lead to the expansion of regional economy. That is, the development of trust business in Yunnan Province to promote economic growth in Yunnan Province. Finally, on the conclusion, from two aspects proposed solutions, one is to further optimize the trust to promote regional economic development, we can strengthen investment in regional infrastructure construction trust funds. Strengthening the investment of trust funds into private enterprises, fostering their development, rationally arranging trust funds into real estate enterprises, speeding up the innovation of trust products, and so on, in order to cooperate with the development of regional economy. The second is to perfect the trust industry itself to promote the development of regional economy, such as improving the regulatory policy and legal system.
【學(xué)位授予單位】：云南財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.49;F127

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