【摘要】：我國正處在城鎮(zhèn)化推進的關(guān)鍵時期,文章通過理論和實證分析表明,金融發(fā)展對城鎮(zhèn)化具有十分重要的影響,金融規(guī)模的增長對促進城市基礎(chǔ)設(shè)施建設(shè)、城鎮(zhèn)住房問題和就業(yè)問題的解決、促進農(nóng)業(yè)產(chǎn)品和農(nóng)村勞動力剩余方面均具有正向影響。實證分析發(fā)現(xiàn),金融系統(tǒng)中存貸款比率上升對城鎮(zhèn)化具有負(fù)向的影響,表明我國存貸款率上升可能帶來的金融風(fēng)險會對城鎮(zhèn)化推進不利,應(yīng)加強存貸款比率上升可能帶來的金融風(fēng)險的防范和管理。
[Abstract]:China is in the critical period of urbanization. The paper shows that the financial development has a very important impact on urbanization, and the growth of financial scale can promote the construction of urban infrastructure through theoretical and empirical analysis. The settlement of urban housing and employment problems has a positive impact on agricultural products and rural labor surplus. Empirical analysis shows that the increase of deposit and loan ratio in the financial system has a negative impact on urbanization, which indicates that the financial risk caused by the increase of deposit and loan ratio in China will be disadvantageous to the advancement of urbanization. We should strengthen the prevention and management of the financial risks that may be brought by the increase of deposit and loan ratio.
【作者單位】： 廣東機電職業(yè)技術(shù)學(xué)院經(jīng)濟貿(mào)易學(xué)院;
【基金】：國家自然科學(xué)基金資助項目(71473090) 教育部人文社會科學(xué)研究青年基金項目(14YJC790175)
【分類號】：F299.21;F832

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3 倪鳳s，

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