本文選題：金融發(fā)展 + 經(jīng)濟(jì)增長��； 參考：《中央民族大學(xué)》2013年碩士論文

【摘要】：金融發(fā)展與經(jīng)濟(jì)增長的關(guān)系研究歷來是經(jīng)濟(jì)學(xué)家所關(guān)注的一個(gè)熱點(diǎn)問題,而且一直爭論不休。隨著中國經(jīng)濟(jì)的迅猛發(fā)展和金融改革的逐漸深化,探索金融發(fā)展與經(jīng)濟(jì)增長之間的關(guān)系具有越來越重要的理論和現(xiàn)實(shí)意義。西藏作為中國經(jīng)濟(jì)最不發(fā)達(dá)的邊疆少數(shù)民族地區(qū),經(jīng)濟(jì)和金融發(fā)展一直受到國內(nèi)外的高度關(guān)注。中央第三次西藏工作座談會召開以來,西藏經(jīng)濟(jì)發(fā)展逐步走上了持續(xù)快速健康發(fā)展的軌道,經(jīng)濟(jì)增長率連續(xù)16年保持在10%以上的較高水平。但從當(dāng)前實(shí)際情況來看,西藏金融發(fā)展存在諸多不足,如金融資產(chǎn)總量不足,資產(chǎn)質(zhì)量差,市場化程度不高,抗風(fēng)險(xiǎn)能力弱,資本市場發(fā)展緩慢,直接融資渠道不暢,資金外流趨勢明顯等。如何加快西藏地區(qū)金融發(fā)展,促進(jìn)其經(jīng)濟(jì)快速發(fā)展,不僅是個(gè)亟待研究的理論課題,也是一個(gè)重大的實(shí)踐課題。在這樣的發(fā)展背景下,分析西藏經(jīng)濟(jì)金融發(fā)展現(xiàn)狀,研究西藏金融發(fā)展對經(jīng)濟(jì)增長影響,找出金融發(fā)展不足的原因并提出建議,有助于指導(dǎo)地區(qū)經(jīng)濟(jì)建設(shè)。 本文第一章首先對國內(nèi)外金融發(fā)展和經(jīng)濟(jì)增長關(guān)系的理論研究和成果做了綜述,重點(diǎn)介紹了西藏金融發(fā)展和經(jīng)濟(jì)增長關(guān)系的理論成果。通過借鑒國內(nèi)外相關(guān)研究的理論成果和方法,采用了實(shí)證檢驗(yàn)、理論分析與定性評價(jià)相結(jié)合的研究思路。第二章探討了西藏金融的發(fā)展概況,包括西藏銀行業(yè)、證券業(yè)、保險(xiǎn)業(yè)和信托業(yè)的發(fā)展現(xiàn)狀和存在的問題。第三章在大量統(tǒng)計(jì)數(shù)據(jù)分析的基礎(chǔ)上,對西藏金融發(fā)展水平進(jìn)行了衡量。第四章建立回歸模型,利用1995年至2011年的相關(guān)經(jīng)濟(jì)數(shù)據(jù),實(shí)證分析了西藏金融發(fā)展和經(jīng)濟(jì)增長的關(guān)系。實(shí)證研究結(jié)果表明,西藏金融發(fā)展一定程度上可以促進(jìn)經(jīng)濟(jì)增長,但是經(jīng)濟(jì)增長對金融發(fā)展的促進(jìn)作用較小。依據(jù)實(shí)證結(jié)果,第五章說明了西藏金融發(fā)展中存在的問題及成因分析,即西藏的金融體制改革滯后于經(jīng)濟(jì)體制改革,金融市場對資本資源的基礎(chǔ)性配置作用尚未完全建立。而且,西藏的經(jīng)濟(jì)發(fā)展滯后于其他地區(qū)；金融體制的分割還很嚴(yán)重,金融抑制還很顯著,表現(xiàn)在正規(guī)金融體系和非正規(guī)金融體系間、城市金融和農(nóng)村金融間、國有金融體系和非國有金融體系間的市場分割,特別是西藏的農(nóng)牧區(qū)金融供給呈現(xiàn)出邊緣化的狀態(tài)。第六章針對西藏金融發(fā)展落后的原因,對西藏金融發(fā)展提出了相關(guān)對策建議。西藏應(yīng)在經(jīng)濟(jì)發(fā)展、金融環(huán)境和金融機(jī)構(gòu)多元化發(fā)展等方面著手改進(jìn),達(dá)到促進(jìn)西藏經(jīng)濟(jì)和金融共同發(fā)展的目的。
[Abstract]:The relationship between financial development and economic growth has always been a hot issue concerned by economists. With the rapid development of Chinese economy and the deepening of financial reform, it is of more and more important theoretical and practical significance to explore the relationship between financial development and economic growth. As China's least developed frontier minority areas, Tibet's economic and financial development has been highly concerned at home and abroad. Since the third session of the Central Committee on Tibetan work, Tibet's economic development has gradually been on the track of sustained, rapid and healthy development, and the economic growth rate has been maintained at a relatively high level of more than 10 percent for 16 consecutive years. However, judging from the current actual situation, Tibet's financial development has many shortcomings, such as insufficient total amount of financial assets, poor quality of assets, low degree of marketization, weak ability to resist risks, slow development of the capital market, and poor direct financing channels. The trend of capital outflow is obvious. How to speed up the financial development of Tibet and promote the rapid development of its economy is not only a theoretical subject to be studied urgently, but also an important practical subject. Under the background of this development, this paper analyzes the present situation of Tibet's economic and financial development, studies the influence of Tibet's financial development on economic growth, finds out the reasons for the lack of financial development, and puts forward some suggestions, which is helpful to guide the regional economic construction. In the first chapter of this paper, the theoretical research and achievements of the relationship between financial development and economic growth at home and abroad are summarized, with emphasis on the theoretical results of the relationship between financial development and economic growth in Tibet. By referring to the theoretical results and methods of relevant research at home and abroad, this paper adopts the research ideas of empirical test, theoretical analysis and qualitative evaluation. The second chapter discusses the development of Tibet's financial situation, including the banking, securities, insurance and trust industry development and existing problems. Chapter three measures the level of financial development in Tibet on the basis of a great deal of statistical data analysis. In chapter 4, the regression model is established and the relationship between financial development and economic growth in Tibet is empirically analyzed by using the relevant economic data from 1995 to 2011. The empirical results show that the financial development of Tibet can promote the economic growth to some extent, but the economic growth has little effect on the financial development. According to the empirical results, the fifth chapter explains the problems and causes of the financial development in Tibet, that is, the financial system reform in Tibet lags behind the economic system reform, and the basic allocation of capital resources by the financial market has not been completely established. Moreover, Tibet's economic development lags behind that of other regions; the financial system is still very divided, and the financial repression is still very significant. This is manifested in the relationship between the formal financial system and the informal financial system, between urban finance and rural finance. The market segmentation between the state-owned financial system and non-state-owned financial system, especially in Tibet's agricultural and pastoral areas, shows a state of marginalization. The sixth chapter puts forward some countermeasures and suggestions to the financial development of Tibet in view of the reasons for the backwardness of the financial development in Tibet. Tibet should improve its economic development, financial environment and diversified development of financial institutions so as to achieve the goal of promoting the common development of Tibet's economy and finance.
【學(xué)位授予單位】：中央民族大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F127.8;F832.7

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