安徽省民間金融促進(jìn)經(jīng)濟(jì)發(fā)展研究
發(fā)布時(shí)間：2019-01-15 22:15
【摘要】：隨著目前中國金融制度改革的不斷深化,金融需求也越來越趨于多元化。民間金融因?yàn)槠浞绞蕉鄻印㈧`活方便等優(yōu)勢補(bǔ)充市場資金需求,適應(yīng)市場經(jīng)濟(jì)的發(fā)展。民間金融的發(fā)展問題成為近年來我國金融業(yè)研究的焦點(diǎn),甚至是世界范圍內(nèi)一個(gè)很重要的理論和實(shí)踐問題。 經(jīng)歷了改革開放之后,中國的經(jīng)濟(jì)也經(jīng)歷了飛速迅猛的發(fā)展,金融市場體系多樣化發(fā)展,相應(yīng)地我國金融需求大量增加。然而正規(guī)金融對(duì)資金供給明顯不足,民間金融作為正規(guī)金融的一個(gè)有力補(bǔ)充,在金融改革中逐漸恢復(fù)并發(fā)揮不可替代的重要作用,緩解了金融市場上資金供需的矛盾,提高了社會(huì)資源配置和資金運(yùn)行效率,有利于金融體系的運(yùn)行,在社會(huì)經(jīng)濟(jì)發(fā)展的過程中起到了愈加重要的作用,為經(jīng)濟(jì)發(fā)展提供了有力的金融支持。 伴隨著安徽省經(jīng)濟(jì)的發(fā)展,民間金融保持快速增長的趨勢,它主要的組織形式包括民間借貸、合會(huì)、民間集資、農(nóng)村合作基金會(huì)、私人錢莊和銀背、典當(dāng)。民間金融很大程度上緩解了中小企業(yè)融資困難的問題,為促進(jìn)民營經(jīng)濟(jì)發(fā)展提供了資金支持,為豐富金融市場做出了巨大貢獻(xiàn),但依然存在管理不規(guī)范、風(fēng)險(xiǎn)大等問題。因此研究如何正確發(fā)揮民間金融對(duì)經(jīng)濟(jì)發(fā)展的正面影響,規(guī)避其負(fù)面影響,具有十分重大的意義。 本文首先闡述了民間金融發(fā)展背景以及民間金融的研究綜述,包括民間金融的定義、民間金融的生成原因、利率生成機(jī)制以及民間金融發(fā)展與正規(guī)金融、宏觀經(jīng)濟(jì)發(fā)展的關(guān)系。在闡述金融抑制、金融深化、金融約束和信息不對(duì)稱等基礎(chǔ)理論之后,對(duì)安徽省民間金融發(fā)展現(xiàn)狀進(jìn)行探究。筆者通過θ間接估值法,測算出了1993-2012年安徽省民間金融的規(guī)模,從結(jié)果可以看出安徽省隨著經(jīng)濟(jì)的增長與正規(guī)金融穩(wěn)定增長相比,民間金融呈現(xiàn)波動(dòng)增長的現(xiàn)象。再利用測算出的民間金融規(guī)模數(shù)據(jù)和安徽省GDP來分析安徽省民間金融發(fā)展與經(jīng)濟(jì)發(fā)展的關(guān)系,通過計(jì)量分析得出了安徽省民間金融與經(jīng)濟(jì)增長是具有長期穩(wěn)定的均衡關(guān)系,民間金融每變動(dòng)一個(gè)百分點(diǎn),GDP同向變動(dòng)0.57個(gè)百分點(diǎn)。通過格蘭杰因果檢驗(yàn),得出民間金融是經(jīng)濟(jì)增長的格蘭杰原因,經(jīng)濟(jì)增長也是民間金融的格蘭杰原因。民間金融的發(fā)展對(duì)經(jīng)濟(jì)增長的有顯著地正向影響,經(jīng)濟(jì)的發(fā)展會(huì)帶來金融市場的多樣化發(fā)展,刺激民間金融的擴(kuò)大。 民間金融通過為中小企業(yè)提供更為便捷的融資服務(wù)來支持中小企業(yè)發(fā)展進(jìn)而促進(jìn)經(jīng)濟(jì)發(fā)展,提高社會(huì)資源配置效率、優(yōu)化社會(huì)融資結(jié)構(gòu),一定程度上補(bǔ)充正規(guī)金融、完善競爭的金融體系。通過實(shí)證分析也證明了安徽省民間金融的發(fā)展促進(jìn)社會(huì)經(jīng)濟(jì)的發(fā)展。我們應(yīng)正確認(rèn)識(shí)安徽省民間金融對(duì)經(jīng)濟(jì)增長的促進(jìn)作用的同時(shí),理性對(duì)待民間金融給社會(huì)和經(jīng)濟(jì)帶來的負(fù)面影響,規(guī)范民間金融,為經(jīng)濟(jì)發(fā)展帶來有利影響,本文提出了規(guī)范民間金融來促進(jìn)經(jīng)濟(jì)幾點(diǎn)建議：健全民間金融的法律框架,訂立關(guān)于民間金融相關(guān)法律法規(guī),讓民間金融陽光化、合法化。建立有效的民間金融監(jiān)管制度、建立規(guī)范的民間金融內(nèi)部控制機(jī)制、推進(jìn)利率市場化制度改革,營造良好的民間金融發(fā)展環(huán)境。只有正確引導(dǎo)民間金融、避開其不利影響才會(huì)真正發(fā)揮對(duì)經(jīng)濟(jì)增長的促進(jìn)作用。
[Abstract]:With the deepening of the reform of the financial system in China, the financial demand is becoming more and more diversified. In order to meet the development of the market economy, the folk finance can supplement the demand of the market funds and adapt to the development of the market economy. The development of civil finance has become the focus of the research of our financial industry in recent years, and it is a very important theory and practical problem in the world. After the reform and opening-up, China's economy has experienced a rapid and rapid development. The financial market system has diversified and developed correspondingly. However, the formal finance is not enough to supply the funds, and the civil finance is a strong supplement to the formal finance, which gradually recovers and plays an important role in the financial reform, and the contradiction between the supply and demand of the funds in the financial market is relieved, and the social resource allocation and the fund running effect are improved. The rate, which is conducive to the operation of the financial system, has played an increasingly important role in the process of social and economic development, and provides a powerful financial support for economic development With the development of Anhui economy, the trend of the rapid growth of the folk finance is maintained. The main organizational forms include the folk lending, the meeting, the folk fund-raising, the rural cooperative foundation, the private money bank and the silver back. In order to provide financial support for the development of the private economy, it has made a great contribution to the rich financial market, but the management is not standardized and the risk is large. Therefore, it is very important to study how to give full play to the positive effect of civil finance on economic development and to avoid its negative influence. The paper first expounds the background of the development of the folk finance and the research of the folk finance, including the definition of the civil finance, the cause of the formation of the folk finance, the mechanism of the formation of interest rate and the development of the civil finance and the formal finance and the macro-economy. After elaborating the basic theories such as the financial inhibition, the financial deepening, the financial constraint and the information asymmetry, the development of the civil finance in Anhui Province is now In this paper, through the indirect valuation method, the scale of the folk finance in Anhui Province from 1993 to 2012 is calculated. From the results, it can be seen that with the growth of the economy and the steady growth of the regular finance, the financial present of the civil society has fluctuated. The relationship between the development of the folk finance and the economic development in Anhui Province is analyzed by using the measured data of the private financial scale and the GDP of Anhui Province. By means of the measurement and analysis, the relationship between the civil finance and the economic growth in Anhui Province is the equilibrium relation with long-term stability, and the civil finance is every change One percentage point, GDP is in the same direction as 0. 5 7 percentage points. Through the Granger causality test, it is concluded that the folk finance is the cause of the economic growth, and the economic growth is also the folk finance. The development of civil finance has a significant positive impact on the growth of the economy, and the development of the economy will bring the diversified development of the financial market and stimulate the folk The expansion of finance is to support the development of small and medium-sized enterprises through the provision of more convenient financing services for small and medium-sized enterprises, to promote economic development, to improve the efficiency of social resource allocation, to optimize the structure of social financing, to a certain extent, to supplement the formal finance and improve The competitive financial system has also proved the development and promotion of the civil finance in Anhui Province through the empirical analysis. The development of the social economy. We should have a correct understanding of the promotion of the economic growth of the folk finance in Anhui Province. At the same time, the rational treatment of the negative effects of the civil finance on the society and economy, the regulation of the folk finance and the beneficial influence on the economic development, this paper put forward the standard of the folk finance to promote the development of the economy. Several suggestions to the economy: to improve the legal framework of civil finance, to conclude relevant laws and regulations on civil finance and to make civil finance The establishment of an effective civil financial supervision system, the establishment of a standard civil financial internal control mechanism, the reform of the market-oriented system of interest rate and the creation of good people The environment of the financial development of the world. It is only right to guide the private finance and avoid the adverse effects that will really play a role in the economy
【學(xué)位授予單位】：安徽大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.7;F127
[Abstract]:With the deepening of the reform of the financial system in China, the financial demand is becoming more and more diversified. In order to meet the development of the market economy, the folk finance can supplement the demand of the market funds and adapt to the development of the market economy. The development of civil finance has become the focus of the research of our financial industry in recent years, and it is a very important theory and practical problem in the world. After the reform and opening-up, China's economy has experienced a rapid and rapid development. The financial market system has diversified and developed correspondingly. However, the formal finance is not enough to supply the funds, and the civil finance is a strong supplement to the formal finance, which gradually recovers and plays an important role in the financial reform, and the contradiction between the supply and demand of the funds in the financial market is relieved, and the social resource allocation and the fund running effect are improved. The rate, which is conducive to the operation of the financial system, has played an increasingly important role in the process of social and economic development, and provides a powerful financial support for economic development With the development of Anhui economy, the trend of the rapid growth of the folk finance is maintained. The main organizational forms include the folk lending, the meeting, the folk fund-raising, the rural cooperative foundation, the private money bank and the silver back. In order to provide financial support for the development of the private economy, it has made a great contribution to the rich financial market, but the management is not standardized and the risk is large. Therefore, it is very important to study how to give full play to the positive effect of civil finance on economic development and to avoid its negative influence. The paper first expounds the background of the development of the folk finance and the research of the folk finance, including the definition of the civil finance, the cause of the formation of the folk finance, the mechanism of the formation of interest rate and the development of the civil finance and the formal finance and the macro-economy. After elaborating the basic theories such as the financial inhibition, the financial deepening, the financial constraint and the information asymmetry, the development of the civil finance in Anhui Province is now In this paper, through the indirect valuation method, the scale of the folk finance in Anhui Province from 1993 to 2012 is calculated. From the results, it can be seen that with the growth of the economy and the steady growth of the regular finance, the financial present of the civil society has fluctuated. The relationship between the development of the folk finance and the economic development in Anhui Province is analyzed by using the measured data of the private financial scale and the GDP of Anhui Province. By means of the measurement and analysis, the relationship between the civil finance and the economic growth in Anhui Province is the equilibrium relation with long-term stability, and the civil finance is every change One percentage point, GDP is in the same direction as 0. 5 7 percentage points. Through the Granger causality test, it is concluded that the folk finance is the cause of the economic growth, and the economic growth is also the folk finance. The development of civil finance has a significant positive impact on the growth of the economy, and the development of the economy will bring the diversified development of the financial market and stimulate the folk The expansion of finance is to support the development of small and medium-sized enterprises through the provision of more convenient financing services for small and medium-sized enterprises, to promote economic development, to improve the efficiency of social resource allocation, to optimize the structure of social financing, to a certain extent, to supplement the formal finance and improve The competitive financial system has also proved the development and promotion of the civil finance in Anhui Province through the empirical analysis. The development of the social economy. We should have a correct understanding of the promotion of the economic growth of the folk finance in Anhui Province. At the same time, the rational treatment of the negative effects of the civil finance on the society and economy, the regulation of the folk finance and the beneficial influence on the economic development, this paper put forward the standard of the folk finance to promote the development of the economy. Several suggestions to the economy: to improve the legal framework of civil finance, to conclude relevant laws and regulations on civil finance and to make civil finance The establishment of an effective civil financial supervision system, the establishment of a standard civil financial internal control mechanism, the reform of the market-oriented system of interest rate and the creation of good people The environment of the financial development of the world. It is only right to guide the private finance and avoid the adverse effects that will really play a role in the economy
【學(xué)位授予單位】：安徽大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.7;F127
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