本文關(guān)鍵詞： 會(huì)融發(fā)展方式 金融結(jié)構(gòu) 金融資源 會(huì)融可持續(xù)發(fā)展　出處：《遼寧大學(xué)》2016年博士論文　論文類型：學(xué)位論文

【摘要】：20世紀(jì)中期,金融理論和金融發(fā)展理論有了較大的發(fā)展與進(jìn)步。國(guó)外金融發(fā)展理論涌現(xiàn)出了金融結(jié)構(gòu)理論、金融深化理論和金融約束理論；我國(guó)學(xué)者于1998年提出并且建立與完善了金融可持續(xù)發(fā)展理論。然而,與金融發(fā)展理論的發(fā)展相對(duì)照,金融發(fā)展的現(xiàn)實(shí)也在不斷地變化與演進(jìn)。比如,為了實(shí)現(xiàn)我國(guó)經(jīng)濟(jì)金融平穩(wěn)運(yùn)行和穩(wěn)健發(fā)展,2013年政府指出應(yīng)該加快完善現(xiàn)代市場(chǎng)體系,加快轉(zhuǎn)變經(jīng)濟(jì)發(fā)展方式；2015年政府工作報(bào)告指出應(yīng)該加快轉(zhuǎn)變經(jīng)濟(jì)發(fā)展方式,實(shí)現(xiàn)有質(zhì)量有效益可持續(xù)的發(fā)展。在這樣的背景下,轉(zhuǎn)變經(jīng)濟(jì)金融發(fā)展方式已經(jīng)提到政府的議事日程。因而,本文選取了金融結(jié)構(gòu)調(diào)整與金融發(fā)展方式轉(zhuǎn)變的互動(dòng)為研究主題。本文所要分析和研究的核心問題是金融結(jié)構(gòu)與金融發(fā)展方式的互動(dòng)問題。關(guān)于該問題可以從四個(gè)方面進(jìn)行分析,即金融結(jié)構(gòu)是金融發(fā)展方式轉(zhuǎn)變的物質(zhì)基礎(chǔ)和現(xiàn)實(shí)前提；金融發(fā)展方式是金融結(jié)構(gòu)調(diào)整的出發(fā)點(diǎn)與歸宿；要以科學(xué)與合理的金融發(fā)展方式引領(lǐng)金融結(jié)構(gòu)調(diào)整；應(yīng)該通過金融結(jié)構(gòu)調(diào)整來實(shí)現(xiàn)金融發(fā)展方式轉(zhuǎn)變從而塑造一種科學(xué)的金融發(fā)展方式。本文首先梳理了金融發(fā)展理論及金融發(fā)展方式和金融結(jié)構(gòu)理論的相關(guān)文獻(xiàn)。然后研究了戈德史密斯的金融結(jié)構(gòu)論和金融發(fā)展觀與白欽先的金融結(jié)構(gòu)論和金融發(fā)展觀,戈氏金融發(fā)展理論主要界定了金融結(jié)構(gòu)及其度量,探索了金融發(fā)展與經(jīng)濟(jì)發(fā)展的關(guān)系。白氏金融結(jié)構(gòu)論認(rèn)為金融結(jié)構(gòu)是金融相關(guān)要素的組成、相互關(guān)系及量的比例,是戈氏量性金融結(jié)構(gòu)論的擴(kuò)展與提升,集量性金融結(jié)構(gòu)與質(zhì)性金融結(jié)構(gòu)于一體；白氏金融發(fā)展觀集中表現(xiàn)為金融可持續(xù)發(fā)展觀,包括金融量性發(fā)展與金融質(zhì)性發(fā)展相統(tǒng)一的金融發(fā)展觀。白氏金融發(fā)展理論體系為分析研究金融結(jié)構(gòu)調(diào)整與金融發(fā)展方式轉(zhuǎn)變的互動(dòng)這一問題提供了堅(jiān)實(shí)的理論基礎(chǔ)。接著本文著重研究了金融發(fā)展方式的概念及相關(guān)理論問題。金融發(fā)展方式是指引領(lǐng)、規(guī)范與實(shí)現(xiàn)金融發(fā)展的,對(duì)金融發(fā)展理念、金融為何而生和金融為誰服務(wù)三大本質(zhì)性核心問題回答的不同指向,以及與之相應(yīng)的以金融體制九大要素為基本架構(gòu)的頂層設(shè)計(jì)的總和。金融發(fā)展方式由若干基本要素所組成,它們相互聯(lián)系、相互影響形成一個(gè)有機(jī)整體,這些基本要素包括：金融發(fā)展理念、金融發(fā)展最高宗旨與目標(biāo)、金融發(fā)展戰(zhàn)略與路徑選擇和金融發(fā)展方法與模式。金融發(fā)展方式的內(nèi)涵包括：金融發(fā)展方式基本要素之間的關(guān)系,金融結(jié)構(gòu)與金融發(fā)展方式之間的關(guān)系,金融發(fā)展方式的政策涵義即金融發(fā)展頂層設(shè)計(jì)。進(jìn)而研究本文的核心問題之一即金融發(fā)展方式轉(zhuǎn)變的物質(zhì)基礎(chǔ)和現(xiàn)實(shí)前提。首先,從M2/GDP、FIR以及金融質(zhì)性結(jié)構(gòu)等角度來看,金融結(jié)構(gòu)是金融發(fā)展方式得以確立以及實(shí)現(xiàn)轉(zhuǎn)變的物質(zhì)基礎(chǔ)和現(xiàn)實(shí)前提。其次,金融發(fā)展方式包括金融發(fā)展理念、金融發(fā)展最高宗旨與目標(biāo)、金融發(fā)展戰(zhàn)略與路徑選擇和金融發(fā)展方法與模式,這些基本要素的形成與轉(zhuǎn)變都要以金融發(fā)展的現(xiàn)狀為準(zhǔn)即金融相關(guān)要素之間的復(fù)雜關(guān)系。不論是從整體來看還是分別分析金融發(fā)展方式各個(gè)基本要素,金融結(jié)構(gòu)都是金融發(fā)展方式轉(zhuǎn)變的物質(zhì)基礎(chǔ)和現(xiàn)實(shí)前提。然后分析了金融結(jié)構(gòu)調(diào)整的出發(fā)點(diǎn)和歸宿。金融結(jié)構(gòu)的分析視角有很多種,可以從金融組織空間結(jié)構(gòu)和金融質(zhì)性結(jié)構(gòu)等角度來分析金融結(jié)構(gòu)。經(jīng)濟(jì)金融主體在某種金融發(fā)展方式的引領(lǐng)與規(guī)范之下合理開發(fā)有效配置金融資源,使金融資源存置于經(jīng)濟(jì)金融和社會(huì)體系之間,從而形成某種結(jié)構(gòu)。通過金融資源的合理開發(fā)與有效配置可以調(diào)整金融相關(guān)要素之間的復(fù)雜關(guān)系,最終塑造一種科學(xué)的金融發(fā)展方式。所以,金融發(fā)展方式是金融結(jié)構(gòu)調(diào)整的出發(fā)點(diǎn)與歸宿。最后研究了金融結(jié)構(gòu)調(diào)整和金融發(fā)展方式轉(zhuǎn)變互動(dòng)的實(shí)現(xiàn)機(jī)制。我們要以金融發(fā)展方式引領(lǐng)金融結(jié)構(gòu)調(diào)整,堅(jiān)持金融可持續(xù)發(fā)展理念,明確金融發(fā)展的最高宗旨與目標(biāo),轉(zhuǎn)變金融發(fā)展的戰(zhàn)略,整合金融資源配置方法,以此協(xié)調(diào)金融相關(guān)要素之間的復(fù)雜關(guān)系,實(shí)現(xiàn)金融結(jié)構(gòu)調(diào)整。可以通過調(diào)整金融組織空間結(jié)構(gòu)和金融質(zhì)性結(jié)構(gòu),在不同金融相關(guān)要素之間合理配置金融資源,使金融功能資源在經(jīng)濟(jì)金融和社會(huì)體系存置與積累,轉(zhuǎn)變現(xiàn)有的金融發(fā)展方式從而塑造一種科學(xué)的金融發(fā)展方式,最終實(shí)現(xiàn)金融、經(jīng)濟(jì)和社會(huì)的協(xié)調(diào)與可持續(xù)發(fā)展。本文的創(chuàng)新點(diǎn)包括：(1)首次將金融發(fā)展方式與金融結(jié)構(gòu)二者的互動(dòng)關(guān)系作為本文研究之主體,從而擴(kuò)展了金融相關(guān)理論研究的領(lǐng)域,并豐富了其內(nèi)容。(2)對(duì)金融發(fā)展方式的概念與相關(guān)理論作了探索與研究。(3)從理論與實(shí)踐兩個(gè)層面,四個(gè)方面分析、研究金融發(fā)展方式與金融結(jié)構(gòu)的互動(dòng)關(guān)系。(4)運(yùn)用金融可持續(xù)發(fā)展理論分析研究了金融發(fā)展方式轉(zhuǎn)變與金融結(jié)構(gòu)調(diào)整互動(dòng)的相關(guān)策略。本文的不足之處在于對(duì)金融結(jié)構(gòu)調(diào)整與金融發(fā)展方式轉(zhuǎn)變互動(dòng)的實(shí)現(xiàn)機(jī)制的研究不夠深入,因而這一部分有待作進(jìn)一步的探索、提高和完善。
[Abstract]:In mid twentieth Century, financial theory and financial development theory has made great development and progress. The development of foreign financial theory emerged in the financial structure theory, financial deepening theory and financial restraint theory; Chinese scholars put forward in 1998 and the establishment and perfection of the theory of financial sustainable development. However, compared with the development of the theory of financial development, financial the reality of the development are in continuous evolution and change. For example, in order to realize the smooth operation of China's economy and finance and steady development, in 2013 the government pointed out that we should accelerate the improvement of modern market system, accelerate the transformation of economic development; in 2015 the government work report pointed out that we should speed up the transformation of economic development, to achieve a quality benefit and sustainable development. In this under the background of the transformation of economic development mode has been referred to the government's financial schedule. Therefore, this paper selects the financial structure adjustment and Change the interactive way of financial development as a research topic. This paper will analyze and study the core problem is the interaction between financial structure and financial development. About this problem can be analyzed from four aspects, namely the financial structure is the material basis of change of financial development mode and the realistic premise; financial development is the starting point of financial structure the adjustment and the end result; leading to the adjustment of financial structure in scientific and reasonable way of financial development; should adjust the financial structure to achieve the transformation of the mode of financial development in order to build a scientific financial development. This paper reviews the related literature theory of financial development and financial development and financial structure theory. And then study the financial structure Goldsmith's theory and concept of financial development and financial structure on the first white chin and the concept of financial development, financial development theory and Gorbachev To define the financial structure and its measurement, explores the relationship between financial development and economic development. White's financial structure theory that the financial structure is composed of financial factors, the proportion of the relationship and the expansion and upgrade of the quantity is the financial structure of Gorbachev, set of financial structure and financial structure in nature development; focus on the performance of the financial sustainable development view's financial development, including the amount of financial development and financial development of the unity of the qualitative concept of financial development. The theoretical system of Bai's financial development provides a solid theoretical foundation for the analysis of this interaction on Transformation of financial structure adjustment and financial development. Then this paper study on the concept of financial development and related theoretical problems. The financial development mode refers to the guidance, specification and implementation of the concept of financial development, financial development, financial and financial health and why The answer is who service the three essential core problem of different direction, and the top-level design to the financial system as the basic framework of the nine elements combined with the corresponding financial development mode consists of several basic elements, their mutual connection, mutual influence the formation of an organic whole, including these basic elements: the concept of financial development. The highest goal of financial development, financial development and financial development strategy and path selection method and model. Including the connotation of financial development mode: the relationship between the basic elements of financial development, the relationship between financial structure and financial development, financial development policy implications to the financial development of the top-level design. The material basis for the transformation of one of the core issues then this paper studies that the financial development mode and the realistic premise. First of all, from the angle of M2/GDP, FIR and qualitative financial structure perspective, The financial structure of the financial development mode has been established and foundation to realize transformation and the realistic premise. Secondly, the financial development mode including the concept of financial development, financial development and the highest purpose of goal, financial development and financial development strategy and path selection method and model, formation and transformation of these basic elements are the complex relationship between quasi financial related factors to the status quo of financial development. Whether from the overall analysis of the financial development mode or are all basic elements, the financial structure are the material basis for the transformation of the financial development mode and the realistic premise. And then analyzes the starting point and destination of financial structure adjustment. From the perspective of financial structure has many kinds, can be analyzed the financial structure from the perspective of financial organization structure and financial spatial structure. Qualitative economic and financial subjects in the lead and gauge some financial development mode Fan under the reasonable development of the allocation of financial resources, financial resources exist in between financial and social system, thus forming a structure. Through the rational development and effective allocation of financial resources can be the complex relationship between the adjustment of financial factors, and ultimately create a scientific financial development. Therefore, the financial development is the starting point of the financial the structure adjustment and the home. At the end of the implementation of interaction mechanism between the transformation of financial structure adjustment and financial development. We should lead the adjustment of financial structure to financial development, adhere to the financial sustainable development concept, clear the highest goal of financial development, financial development strategy, the integration method of allocation of financial resources, in order to coordinate the complex relationship between financial factors, financial structure adjustment. Through the adjustment of financial structure and financial matter space organization The structure, between different financial elements related to the rational allocation of financial resources, make the deposit and accumulation in economic and financial and social function system of financial resources, change the existing way of financial development in order to build a scientific way of financial development, and ultimately financial, coordinated and sustainable development of economy and society. The innovation of this paper include: (1) for the first time the relationship between financial development and financial structure of the two as the main body of this research, thus expanding the theoretical research related to the field of finance, and enrich its content. (2) the concept of financial development and related theories for the exploration and research. (3) from two aspects the theory and practice, analysis of the four aspects, research on the relationship between financial development and financial structure. (4) studied the financial development and financial structure adjustment and transformation of the mode of interaction analysis using the theory of financial sustainable development The deficiency of this paper is that the research on the interaction mechanism between the adjustment of financial structure and the transformation of financial development mode is not thorough enough, so this part needs further exploration, improvement and perfection.

【學(xué)位授予單位】：遼寧大學(xué)
【學(xué)位級(jí)別】：博士
【學(xué)位授予年份】：2016
【分類號(hào)】：F830

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