發(fā)布時(shí)間：2018-05-18 19:37

  本文選題：金融約束 + 居民消費(fèi)　； 參考：《江西財(cái)經(jīng)大學(xué)》2013年碩士論文

【摘要】：消費(fèi)是促進(jìn)經(jīng)濟(jì)發(fā)展的最重要的因素，是推動(dòng)經(jīng)濟(jì)和社會(huì)發(fā)展的主要?jiǎng)恿Α５谶^(guò)去的三十年中，中國(guó)的最終消費(fèi)率從1978年62.1%下降到2011年的49.1%，居民消費(fèi)率也從48.8%降至35.4%，已經(jīng)達(dá)到了歷史最低水平。因此，如何擴(kuò)大居民消費(fèi)成為擴(kuò)大內(nèi)需的重中之重，這對(duì)推動(dòng)我國(guó)經(jīng)濟(jì)發(fā)展方式轉(zhuǎn)變具有重要意義。本文著重于從我國(guó)金融制度的角度來(lái)探討我國(guó)銀行信貸市場(chǎng)金融約束政策與居民消費(fèi)需求增長(zhǎng)之間的矛盾。首先介紹了金融約束理論和金融約束抑制消費(fèi)的作用機(jī)制，同時(shí)回顧和總結(jié)了金融約束指數(shù)構(gòu)建的方法和國(guó)內(nèi)外學(xué)者的相關(guān)研究成果，為實(shí)證檢驗(yàn)奠定了理論基礎(chǔ)。并對(duì)我國(guó)銀行信貸市場(chǎng)的金融約束政策：存貸款利率控制、金融業(yè)準(zhǔn)入限制、限制資產(chǎn)替代等進(jìn)行了詳盡的分析。其次，本文通過(guò)對(duì)各指標(biāo)建立隸屬函數(shù)，并運(yùn)用主成分分析法，構(gòu)建了我國(guó)銀行信貸市場(chǎng)的金融約束指數(shù)；并建立了關(guān)于我國(guó)居民消費(fèi)率的誤差修正模型，，考察了銀行信貸市場(chǎng)的金融約束對(duì)我國(guó)居民消費(fèi)率的影響。最后,針對(duì)我國(guó)銀行信貸市場(chǎng)的三項(xiàng)金融約束政策，提出了相應(yīng)的對(duì)策與建議,因此，一是進(jìn)一步推動(dòng)利率市場(chǎng)化，借鑒國(guó)際經(jīng)驗(yàn)，本文提出了推進(jìn)商業(yè)銀行改革、培育完善的金融市場(chǎng)及體系、建立健全金融監(jiān)管體制、堅(jiān)持漸進(jìn)性原則、加強(qiáng)政策協(xié)調(diào)等五個(gè)措施；二是金融業(yè)準(zhǔn)入自由化，主要是銀行業(yè)的對(duì)內(nèi)開放，針對(duì)準(zhǔn)入自由化帶來(lái)的相關(guān)風(fēng)險(xiǎn)，本文認(rèn)為政府要加強(qiáng)相關(guān)的制度建設(shè)，包括構(gòu)建存款保險(xiǎn)制度、加速利率市場(chǎng)化進(jìn)程、實(shí)施嚴(yán)密的金融監(jiān)管制度、建立市場(chǎng)化的進(jìn)入與退出機(jī)制。三是促進(jìn)居民金融資產(chǎn)投資多元化，并提出要規(guī)范金融市場(chǎng)、積極穩(wěn)妥地開展個(gè)人消費(fèi)信貸業(yè)務(wù)、進(jìn)一步規(guī)范和發(fā)展保險(xiǎn)市場(chǎng)、完善社會(huì)保障制度以增強(qiáng)居民心理預(yù)期和加大金融產(chǎn)品創(chuàng)新五項(xiàng)解決措施。
[Abstract]:Consumption is the most important factor to promote economic development and the main motive force to promote economic and social development. But in the past three decades, China's final consumption rate has fallen from 62.1 percent in 1978 to 49.1 percent in 2011, and the resident consumption rate has fallen from 48.8 percent to 35.4 percent, the lowest on record. Therefore, how to expand resident consumption becomes the most important part of expanding domestic demand, which is of great significance to promote the transformation of our country's economic development mode. This paper focuses on the contradiction between the financial restraint policy of China's bank credit market and the growth of consumer demand from the perspective of China's financial system. Firstly, this paper introduces the theory of financial constraint and the mechanism of financial restraint in restraining consumption. At the same time, it reviews and summarizes the methods of constructing financial constraint index and the related research results of domestic and foreign scholars, which lays a theoretical foundation for empirical testing. This paper also makes a detailed analysis of the financial restraint policies of the bank credit market in China, such as the control of deposit and loan interest rate, the restriction of access to the financial industry, and the restriction on the replacement of assets. Secondly, by establishing the subordinate function of each index and using the principal component analysis method, this paper constructs the financial constraint index of the bank credit market of our country, and establishes the error correction model about the resident consumption rate of our country. This paper investigates the influence of financial constraints on the consumption rate of Chinese residents in the bank credit market. Finally, in view of the three financial restraint policies of the bank credit market of our country, this paper puts forward the corresponding countermeasures and suggestions. Therefore, the first is to further promote the marketization of interest rate, draw lessons from international experience, this paper proposes to promote the reform of commercial bank. To foster a sound financial market and system, to establish and improve the financial regulatory system, to adhere to the principle of gradual progress, and to strengthen policy coordination; second, to liberalize the entry of the financial sector, mainly to the domestic opening of the banking sector. In view of the related risks brought about by the liberalization of entry, this paper holds that the government should strengthen the construction of relevant institutions, including the construction of deposit insurance system, the acceleration of the process of interest rate marketization, and the implementation of a strict financial supervision system. Establish a market-oriented entry and exit mechanism. Third, to promote the diversification of financial assets investment among residents, and propose to standardize the financial market, actively and steadily carry out personal consumer credit business, and further standardize and develop the insurance market. Improve the social security system to enhance the psychological expectations of residents and increase financial product innovation five measures.
【學(xué)位授予單位】：江西財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832.4;F126.1

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本文編號(hào)：1906941