区域金融发展对区域经济增长的影响分析.pdf

摘要
摘要
我国改革开放发展市场经济以来,经济保持了高速增长的势头,取得了举世瞩目的
成绩,我国的改革开放是渐进式的,这避免了经济制度的突然变革给社会发展带来的诸
多弊端,但是也使得区域间经济增长不平衡问题突显。区域金融发展对经济增长有重要
作用,它通过对区域资本形成、创新和产业升级的影响为经济增长做出重要贡献。促进
我国各区域金融发展并使得区域间金融协调发展,发挥金融业的集聚和辐射作用,带动
区域经济增长和各区域经济协调发展是我国亟待解决的问题。
本文以金融发展理论为指导,整理国内外各层面关于金融发展、金融发展对经济增
长影响的各种研究文献,使用多元统计分析中聚类分析的思想将我聚类分为五个区域,分别研究各区域金融发展和经济增长现状,并通过计量经济学中
面板数据研究方法将区域金融发展与区域经济增长间关系数量化,使得两者间的关系更
加明晰,为提出针对性的政策建议做出准备。
研究的结果表明,我国各区域内金融发展对经济增长的影响不一致,从金融相关比
率看,第三区域金融相关比率与经济增长存在正相关关系,并且没有明显滞后于经济增
长的现象,第五区域金融相关比率对经济增长有正影响且这种影响在其滞后期依然存
在,第二区域金融相关比率滞后值对经济增长存在正影响,第四区域金融相关比率与经
济增长间呈现负相关关系,第一区域金融相关比率对经济增长影响不显著。贷存转换率
方面第一、第三区域贷存款转换率的滞后值对经济增长的影响为正,其余区域滞后值影
响为负,并且从总体上来看各区域金融发展对经济增长的拉动作用还比较小。不同区域
要根据当地的产业发展状况、金融改革进展等因素推行差别性的金融发展政策,同时促
进区域间金融协调发展,突出金融发展程度、高速度快的地区的辐射带动作用,促进区
域经济增长,缩小区域经济差距

关键词区域金融经济增长金融相关比率存贷款转换率
I
Abstract
Since the policy of reform and opening-up being implemented, a market economic
system has been built in our country. The economy has maintained a rapid growth and many
remarkable achievements have been made. The reform and opening-up policy is carried out
progressively, which avoids many defects to the social development caused by sudden
changes in the economic system. However, inter-regional imbalance in economic growth has
emerged as a problem due to the economic reform. Regional financial development plays an
important role in regional economic growth by contributing to capital formation, innovation
and industrial upgrading. Thus to promote and coordinate regional financial development is
an urgent task for our country. Finances’ role in gathering and radiating should also be
brought to full play so as to drive regional economic growth and coordination development.
This thesis takes the finance development theory as the guiding principle, reviews
related literatures home and abroad. Five regions of every province, which are divided by
their different levels of financial development, are studied respectively in terms of