宁夏金融发展与中小企业发展关系的实证分析

发布时间：2018-03-09 12:09

本文选题：宁夏　切入点：金融发展　出处：《西北民族大学》2015年硕士论文　论文类型：学位论文

【摘要】：金融作为现代经济运行的核心要素之一,在完善市场秩序,提高资源配置效率等方面发挥了积极作用,尤其是在活跃资本市场、促进经济繁荣方面发挥着关键作用。而中小企业作为市场经济的主要参与者,在盘活地方经济、推进市场竞争、解决剩余劳动力就业等方面发挥着不可替代的作用,此外,中小企业的发展与资本市场的繁荣密不可分,中小企业的发展离不开资本市场的支持,同时在很大程度上也推动了资本市场的繁荣与完善。如何发挥金融市场的活力促进中小企业发展,进而推动金融发展与中小企业发展之间的良性互动是我国现阶段完善金融结构体系,推动金融体制改革的重点之一。目前,学术界有大量的研究成果从不同的区域层面对金融发展与经济发展的关系进行了实证研究与分析,而针对中小企业发展与金融发展之间关系的研究大多从中小企业的融资方面展开,较少有文献研究中金融发展与小企业发展之间的相互关系,更缺少相对落后地区以及民族区域层面的研究。宁夏回族自治区作为西部少数民族聚居省份,其发展经验兼具民族地区与西部落后地区的特点。在西部大开发战略实施以后,宁夏的经济社会总体上有了极大的改善,中小企业不断发展壮大,同时区域内金融市场成长势头良好且具有民族特色,伊斯兰银行业务的开展就是宁夏地区发展特色金融的一次尝试。本文以宁夏为研究对象,在借鉴已有学术研究成果的基础上,使用金融相关率、金融系统效率以及金融结构优化程度等作为衡量地区金融发展有代表性的指标来反映宁夏的金融发展的状况,进而结合宁夏中小企业发展的实践经验,运用西部大开发战略实施以来的金融发展与中小企业发展相关数据,对宁夏的金融发展指标与中小企业发展指标进行单位根检验、协整检验及格兰杰因果检验,通过实证分析得出宁夏金融发展与中小企发展之间存在一定程度上的相互促进关系。最后,根据实证研究结果,结合宁夏发展的现状,为进一步推进宁夏金融发展与中小企业发展之间的良性互动而提出了促进宁夏金融发展与中小企业发展的相关对策与建议。
[Abstract]:As one of the core elements of modern economic operation, finance has played a positive role in perfecting the market order and improving the efficiency of resource allocation, especially in the active capital market. SMEs, as the main participants in the market economy, play an irreplaceable role in revitalizing the local economy, promoting market competition, and solving the employment of surplus labor. The development of small and medium-sized enterprises is inseparable from the prosperity of the capital market, and the development of small and medium-sized enterprises can not be separated from the support of the capital market. At the same time, to a large extent, it has also promoted the prosperity and perfection of the capital market. How to give full play to the vitality of the financial market and promote the development of small and medium-sized enterprises, Thus promoting the benign interaction between financial development and the development of small and medium-sized enterprises is one of the key points in perfecting the financial structure system and promoting the reform of the financial system in China at the present stage. There are a large number of academic research results from different regional levels of financial development and economic development of the relationship between empirical research and analysis. However, most of the studies on the relationship between the development of small and medium-sized enterprises and financial development are carried out from the aspect of financing of small and medium-sized enterprises, and there are few literatures on the relationship between financial development and the development of small enterprises. The development experience of Ningxia Hui Autonomous region, as a province inhabited by ethnic minorities, has the characteristics of both minority regions and backward areas in the west. After the implementation of the strategy of developing the western region, Ningxia's economy and society in general have been greatly improved, small and medium-sized enterprises have been growing and growing, and the financial market in the region is growing with good momentum and ethnic characteristics. The development of Islamic banking is an attempt to develop characteristic finance in Ningxia. The efficiency of the financial system and the degree of optimization of the financial structure are taken as the representative indicators to measure the regional financial development to reflect the situation of the financial development in Ningxia, and then combined with the practical experience of the development of small and medium-sized enterprises in Ningxia. Based on the relevant data of financial development and small and medium-sized enterprise development since the implementation of the western development strategy, this paper makes a unit root test, cointegration test and Granger causality test on the financial development index and the small and medium-sized enterprise development index of Ningxia. Through the empirical analysis, it is concluded that there is a certain degree of mutual promotion relationship between the financial development and the development of small and medium-sized enterprises in Ningxia. Finally, according to the results of empirical research, combined with the current situation of Ningxia's development, In order to further promote the healthy interaction between the financial development and the development of small and medium-sized enterprises in Ningxia, this paper puts forward the relevant countermeasures and suggestions to promote the development of financial and small and medium-sized enterprises in Ningxia.
【学位授予单位】：西北民族大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F276.3;F832.4

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