我国区域金融发展与区域经济增长

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摘要

经济增长和金融发展的关系研究属于经济学界倍受关注的课题，本文运用区

域经济学、金融学和经济增长理论,使用规范分析与实证分析相结合的研究方法，

通过对我国区域金融发展与经济增长理论的分析和实证研究，揭示了在一定的经

济发展阶段，区域金融发展与经济增长呈现出相互促进、相互影响的关系。

改革开放以来，中国的经济迅速发展，取得了举世瞩目的巨大成就。但是地

区间的金融发展及经济增长差距却越来越大。如何缩小地区间的经济发展差距,

实现我国地区经济的协调发展，是我国政府必须解决的难题之一。

本文在结构上分为五章:

第一章绪论部分主要阐述本文选题的理论与现实意义及介绍国内外目前对

此课题的研究现状，阐明了本文的研究方法及研究路线,同时介绍本文运用的研

究方法和可能的创新与不足之处。

第二章通过文献综述，对金融发展对经济增长的影响及区域角度上的相关

理论进行了收集和总结，并分析了金融发展对于经济增长的重要作用。

第三章利用Panel-data(面板数据)对我国东中西三大区域的金融发展与经

济增长的关系进行实证研究。实证结果分析表明，中国各地区金融发展与经济增

长具有不同程度的相关性。金融发展差距可以部分解释中国各地区经济增长差

距。提高金融发展水平，对于长期的经济增长会带来良好影响。同时本文利用格

兰杰因果关系检验法，对我国区域金融发展与各地区经济增长进行了因果实证分

析，实证结果认为区域金融发展与各地区经济增长密切相关，两者之间存在相互

因果关系，在整体上更多地表现为区域经济增长带动区域金融发展。

第四章针对我国不同的区域现实情况提出有针对性的政策建议。在经济金

融的政策制定上向中西部倾斜，在中西部地区更加注重制度创新，努力解决中西

部地区的银行不良贷款等问题，大力继续培育资本市场的发展，建立多层次的金

融机构。这对缩小东中西部地区的经济、金融发展差距，促进我国区域经济协调

发展有非常重要的意义。

第五章结论及局限性。通过对全文总结，指出处于转型时期的我国经济要

实现持续、健康、快速增长，必须能够正确把握区域金融发展与区域经济增长的

关系，建立起与经济快速增长相适应的现代金融体系，并为此提出了相关的建议。

关键词：区域、金融发展、经济增长、Panel data模型

ABSTRACT

Economic Growth and Financial Development are two important economic

questions for discussion．Based on the regional economics theory，the financial theory

and the economical growth theory ，and with the research methodology which

combines standard analysis and empirical analysis ，this thesis explores the

relationship of mutual promotion and influence between regional financial

development and economic development through the analysis of the theory and

empirical study regional financial development in China in a certain stage.

Great Progress in economic growth has been achieved during the Past 20 years

after economic reforms in China，but the difference of the development of financial

and economic growth in different region of China is more and more obvious，reduce

the difference between the regions and to realize the harmony of financial and

economic growth is the difficult Problem Chinese government should serve.

There are five chapters in the dissertation:

The first chapter explains why this topic was selected and summarizes the major

literatures on this topic both from overseas and domestic academic circle, This

chapter also points out the creations and shortcomings of this dissertation from the

author’s perspective.

The second chapter summarizes the literatures of the financial development and

economic growth theory，analysis the important affection that financial development

work on the economic growth.

The third chapter use the panel data demonstrate the relationship between

Financial development and the economic growth of the east、middle and west region.

The result means the disparity of financial development can partly explains the

difference of economic growth,To enhance the level of financial development can be

benefit to economic growth in long term.At the same time by the Granger causality

law of the regional financial development in China and the increase in various regions.

There is a cause and effect result between them ，among which ，the correlation

between the economic increase of the eastern part and the national financial

development is relatively heavy ，while the correlation between the middle and

western part and the whole country is not remarkable，

besides，

there is skewing effect.

The forth chapter mainly proposes policy advice to the different region，Institute

the favorable Policy to the Midwest，try hard to serve the Problem of the badness loan

of Midwest，establish multilayer capital market，pay more attention to the system

innovation in Midwest，These proposals are very important to reduce the difference

between east and west region，and to accelerate the harmony development in every

region of China.

The final part summarizes this paper，

It is pointed out that to obtain a sustainable

sound and rapid economic growth in transitional China ，the relationship between

financial development and economic growth is of great importance ，and that

modern financial system is expected to be established to serve a rapid economic

growth. Moreover suggestions are proposed in the end.

Key Words：Regional Finance ，Finance Development，Regional Economy，Panel Data

摘要

ABSTRACT

第一章绪论 ·········································································································· 8

§1.1 选题背景与意义 ····································································8

§1.2 金融发展对经济增长的作用机制分析 ········································ 9

§1.3 本文的研究目的 ·································································· 11

§1.4 本文的研究方法及研究路线 ··················································· 11

§1.5 创新点及不足之处 ······························································· 12

第二章区域金融发展与经济增长的一般理论综述 ·············································13

§2.1 金融发展理论的历史演变 ······················································ 13

§2.1.1 金融发展理论的最初形成 ················································ 13

§2.1.2 戈德史密斯的金融结构论及其发展 ···································· 14

§2.1.3 麦金农和肖的金融抑制和金融深化理论 ······························ 15

§2.1.4 金融约束理论 ······························································· 17

§2.1.5 金融发展理论的简要评述 ················································ 18

§2.2 经济增长的一般理论 ···························································· 21

§2.2.1 古典增长理论 ······························································· 22

§2.2.2 凯恩斯增长理论 ···························································· 23

§2.2.3 新古典增长理论 ···························································· 23

§2.2.4 新经济增长理论 ···························································· 24

§2.3 金融发展与经济增长的相互作用机制 ·······································26

§2.3.1 金融发展对经济增长的作用 ············································· 26

§2.3.2 经济增长促进金融发展 ··················································· 28

§2.4 关于中国区域金融发展和区域经济增长理论文献 ························ 29

第三章我国区域金融发展与区域经济增长相关性和因果性的实证分析 ···········32

§3.1 面板数据(Panel Data)模型简介 ············································ 32

§3.2 指标选择依据 ···································································· 34

§3.3 panel-data 模型实证及分析 ················································· 37

§3.3.1 三大区域的金融发展指标统计分析 ··································· 37

§3.3.2 省际指标影响程度排序 ·················································· 39

§3.3.3 总体面板数据分析结果 ·················································· 42

§3.4 因果关系实证及分析 ··························································· 43

§3.4.1 格兰杰因果检验原理 ······················································44

§3.4.2 变量的单位根检验原理 ·················································· 44

§3.4.3 协整检验原理 ·······························································45

§3.4.4 格兰杰因果实证检验及分析 ············································ 45

第四章协调区域金融发展与地区经济增长对策建议 ·········································48

§4.1 国家宏观政策支持 ································································48

§4.2 深化金融体制改革，构建市场金融体系 ···································· 50

§4.3 优化金融结构 ······································································ 52

§4.4 均衡资本市场建设 ································································52

§4.5 加强金融市场监管 ································································53

§4.6 防范与化解金融风险 ·····························································54

§4.7 加强区域金融合作 ································································55

§4.7.1 积极探索和开展区域金融“两个层面、两种形式”的合作机制 55

§4.7.2 尽快推进条件相对成熟领域的金融合作项目的建设 ···············55

第五章结论与局限性 ··························································································57

§5.1 论文结论 ············································································· 57

§5.2 局限性 ················································································ 57

参考文献 ······················································································ 59

在读期间公开发表论文和承担科研项目及取得成果 ······························· 63

附录 ···························································································· 64

致谢 ···························································································· 69

第一章绪论

§1.1 选题背景与意义

经济增长是一个国家人民福利增进、社会发展和政治稳定的前提保证。努力

促进经济增长，并采取措施解放生产力，实现国民财富的增加，是各国政府及学

者研究的一个永恒问题。而在现代社会，金融已经是经济运行的核心，随着金融

在全球及各国经济中所起的作用越来越大，经济金融化已经成为各个国家经济发

展的一种必然趋势，因此，对各国以及各区域金融发展与经济增长之间关系的研

究，自然成为经济学家们所关注的一个重要课题。对这一问题的认识差异，将直

接影响到各国相关金融政策的制定与执行，从而影响到实际经济的增长。经济增

长是指实体经济的发展，包括可持续的国民总产出水平和人均产出水平的不断增

加、生产技术的进步、以及经济结构的优化完善等，。经济增长一般用两个指标

衡量:GDP和人均GDP，而金融发展主要是指金融总量的增长如金融资产的发展、金

融机构的发展、金融市场的完善以及金融结构的优化等。关于经济增长的原因、

经济增长的内在机制及其实现路径，是各国经济学者始终密切关注的重大问题。

在系统研究金融发展与经济增长关系之前，经济学界主要关注资本积累、劳动力

增长和技术进步等变量与经济增长的关系，并且产生了大量的研究成果。近几十

年来，尤其是上个世纪90年代以来，随着经济金融化的趋势越来越显著，越来越

多的经济学家开始运用理论及实证方法系统研究金融发展与经济增长的关系，并

且由于各国及各区域的经验数据越来越丰富，以及计量经济方法的不断成熟，这

种研究得以不断深入并且取得了较大的成果。这其中包括国际货币基金组织、世

界银行等许多权威研究机构的经济学家们，针对不同的国家和地区，采用各种不

同的实证研究方法，得出总体的经验研究表明，在世界范围内，金融始终在各国

经济增长过程中扮演着重要角色，在不同的国家和地区，金融发展与经济增长之

间存在着不同程度的正相关关系。一个国家的经济越发达，其金融发展水平也就

越高，同样的，一个国家的金融发展水平越高，也就越能促进该国经济持续增长。

这些研究结果表明：努力提高金融发展水平及优化金融结构，可以给一个国家或

者地区的经济增长带来持续的源动力；发育良好的金融市场有利于储蓄的增加以

及储蓄向投资的有效转化，进而推动长期经济增长。而经济增长在一定程度上将

带动该国或地区的金融发展。事实上，近年来，许多国家都在研究如何建立有效

的金融机构体系和金融政策组合来最大限度地促进经济增长，都将金融发展作为

促进其经济增长的关键因素，将金融改革放在其经济市场化改革的核心地位，将

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摘要：

摘要经济增长和金融发展的关系研究属于经济学界倍受关注的课题，本文运用区域经济学、金融学和经济增长理论,使用规范分析与实证分析相结合的研究方法，通过对我国区域金融发展与经济增长理论的分析和实证研究，揭示了在一定的经济发展阶段，区域金融发展与经济增长呈现出相互促进、相互影响的关系。改革开放以来，中国的经济迅速发展，取得了举世瞩目的巨大成就。但是地区间的金融发展及经济增长差距却越来越大。如何缩小地区间的经济发展差距,实现我国地区经济的协调发展，是我国政府必须解决的难题之一。本文在结构上分为五章:第一章绪论部分主要阐述本文选题的理论与现实意义及介绍国内外目前对此课题的研究现状，阐明了本文的研究方法及研...

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