金融發(fā)展對(duì)經(jīng)濟(jì)增長(zhǎng)影響的分析——以寧波市為例

論文編號(hào):GM795  論文字?jǐn)?shù):20696.頁(yè)數(shù):34

內(nèi) 容 摘  要

 近幾年來，關(guān)于金融發(fā)展與經(jīng)濟(jì)增長(zhǎng)之間關(guān)系的研究，越來越受到人們的重視。本文試圖將西方日益成熟、完善的理論應(yīng)用到寧波市的實(shí)際情況，考察寧波金融發(fā)展與經(jīng)濟(jì)增長(zhǎng)的影響方向和強(qiáng)度，以滿足我市經(jīng)濟(jì)建設(shè)的迫切需要。
 文章從研究金融發(fā)展與經(jīng)濟(jì)增長(zhǎng)間互相作用的內(nèi)生機(jī)制開始展開，然后借此分析了金融發(fā)展支持經(jīng)濟(jì)增長(zhǎng)的途徑。在此基礎(chǔ)上，本文對(duì)寧波金融與經(jīng)濟(jì)建設(shè)的實(shí)際情況進(jìn)行探索，以改革開放近三十年來的金融與經(jīng)濟(jì)數(shù)據(jù)進(jìn)行相關(guān)性分析以及OLS回歸，計(jì)算得出金融與經(jīng)濟(jì)這兩個(gè)變量間的量化關(guān)系。
 經(jīng)研究發(fā)現(xiàn)，寧波市金融發(fā)展對(duì)經(jīng)濟(jì)的增長(zhǎng)有著比較客觀的正面影響，如金融對(duì)經(jīng)濟(jì)的支持相關(guān)度較高，支持面廣，以及金融與經(jīng)濟(jì)速度互相促進(jìn)、穩(wěn)健而較快地發(fā)展等等。這種狀態(tài)是值得肯定的。然而，若要維持住現(xiàn)今這種高速發(fā)展的勢(shì)頭，也存在著一些困難和問題。
 然而，本文也存在一定的缺陷，因?yàn)閷?shí)證內(nèi)容只考慮了貸款總額這一個(gè)因素，所以使文章在論證信度和力度上有所缺乏，筆者希望能在以后的研究中改正這個(gè)問題。
 
 
 
關(guān)鍵詞：金融發(fā)展、經(jīng)濟(jì)增長(zhǎng)、相關(guān)性、OLS回歸

ABSTRACT

In recent years, researches on the correlation between financial development and economic growth have been attracting more and more attention. Therefore, this paper attempts to apply the more sophisticated and perfect west theory to the actual situation of Ningbo to study the direction and intensity of the impact of financial development on economic growth, to meet Ningbo's urgent need for economic development.
 
The paper starts from the internal mechanism of the mutual influence of financial development and economic growth and then analyses the routes of financial development supporting economic growth. On this basis, this paper begins exploration of Ningbo's actual situation of finance and economic to statistic the correlation of these data for last three decades, and takes the OLS regression analysis, to calculate the quantitative relationship between these two variables.
 
The study indicates that Ningbo's financial development has a positive impact on economic growth, such as high and widespread financial support range, and the copromotion of sound and rapid development, etc. , which should be praised. However, there exist also some difficulties and problems if to maintain the current situation of this rapidly developing.
 
However, this paper also has some shortcomings that only one factor the total amount of loans is considered in the empirical analysis, so that it makes the paper lack of reliability in the argument. Hence, the writer will continue studying in the future to correct this problem.

 KEYWORDS: Financial Development, Economic Growth, Correlation, OLS Regression

正文目錄
第一章 緒論 1
第一節(jié) 選題背景及研究意義 1
一、選題背景 1
二、研究意義 2
第二節(jié) 研究思路及方法 3
第二章 文獻(xiàn)綜述 4
第一節(jié) 國(guó)內(nèi)外金融理論 4
第二節(jié) 金融發(fā)展與經(jīng)濟(jì)增長(zhǎng)的研究 5
第三節(jié) 小結(jié) 8
第三章 金融發(fā)展對(duì)經(jīng)濟(jì)增長(zhǎng)影響的理論分析 9
第一節(jié) 金融發(fā)展與經(jīng)濟(jì)增長(zhǎng)的內(nèi)生機(jī)制 9
一、金融結(jié)構(gòu)的傳導(dǎo)機(jī)制 9
二、金融中介的傳導(dǎo)機(jī)制 10
第二節(jié) 金融發(fā)展對(duì)支持經(jīng)濟(jì)增長(zhǎng)的途徑分析 12
第三節(jié) 理論小結(jié) 14
第四章 金融發(fā)展與經(jīng)濟(jì)增長(zhǎng)相關(guān)性的實(shí)證分析 15
第一節(jié) 寧波市金融總量與經(jīng)濟(jì)總量相關(guān)性分析 15
第二節(jié) 寧波市金融與經(jīng)濟(jì)總量關(guān)系的線形回歸分析 18
第三節(jié) 寧波市金融發(fā)展對(duì)經(jīng)濟(jì)增長(zhǎng)的貢獻(xiàn)度分析 22
第五章 結(jié)論及政策建議 25
第一節(jié) 研究結(jié)論 25
一、金融體系不夠完善，實(shí)際融資渠道單一 25
二、資金配置效率不高，資金使用效益下降 25
三、金融服務(wù)產(chǎn)品不夠豐富，業(yè)務(wù)創(chuàng)新能力不足 25
四、國(guó)有銀行管理層次較多，組織結(jié)構(gòu)有待優(yōu)化 26
第二節(jié) 政策建議 26
一、積極完善地方金融組織體系，提高金融服務(wù)水平 26
二、結(jié)合區(qū)域經(jīng)濟(jì)特點(diǎn)，加大金融創(chuàng)新力度 27
三、適應(yīng)寧波經(jīng)濟(jì)發(fā)展需要，增加信貸有效投入 27
四、發(fā)展多層次證券市場(chǎng)，完善資本市場(chǎng)體系 28
五、加快信用立法工作，切實(shí)提高社會(huì)信用觀念 28
參考文獻(xiàn) 29
致 　謝 31