新疆金融包容发展研究

发布时间：2018-05-28 22:38

本文选题：包容性增长 + 金融包容　；参考：《新疆财经大学》2014年硕士论文

【摘要】：2011年4月15日，中国国家主席胡锦涛在博鳌亚洲论坛上发表了题为《包容性发展：共同议程与全新挑战》的主题发言，阐述了中国对“包容性发展”理念的看法以及我们在“包容性发展”上的实践。包容性发展理念强调均衡增长的思想、反对保护主义、兼顾不同主体需求和重视吸收新观念、新知识的看法。包容性发展的战略为解决经济发展中结构失衡问题提供了新的思路，对探索我国金融改革发展的战略路径具有重要的实践指导作用。新疆地处西北偏远地区，呈现出独特的、典型的区域经济特征。在西部大开发和19省市对口支援的背景下，经济发展迅速。2012年新疆经济实现了新突破：全疆生产总值（GDP）7466.30亿元，同比增长12%。在经济快速发展的同时，很多人没有享受到经济发展的成果，有些人甚至更加贫穷，在全国基尼系数不断增加的同时，新疆金融发展也是极其不平衡的，也就是非包容性发展，本文总共分五个章节，绪论详细叙述了包容性发展现状，并介绍了本文的研究方法和不足。第一章主要对金融包容理论进行了分析和界定，首先包容性发展就是要使所有人享受到经济发展带来的成果，使人民的生活得到改善。其次金融包容提倡的是在经济发展的过程中，要使大部分人能够享受金融服务，为需要资金的人提供资金，提高保险密度和保险深度，增加融资渠道，促进经济平衡发展和居民平等享受社会发展成果。第二章将新疆与全国金融进行对比，发现新疆在金融领域与全国的差距。并且将新疆各个地区从整体经济发展状况、经济结构、保险、金融机构、证券多维度的进行对比，发现各地区金融经济发展极其不平衡，越是贫困的地区金融发展越落后。而且新疆还存在特殊的人口结构、民族文化和地理结构，对新疆各地区的经济和金融进行了详细的分析。第三章主要是通过第二章数据分析找出金融包容不足的原因。首先新疆由于其自身的原因造成金融包容不足，，新疆经济落后，很多金融企业不愿入驻新疆；新疆地区特殊的文化、人口结构在某种程度上导致了居民主体对金融的排斥；其次金融政策不完善，比如民间资本缺乏有效的规范、普惠金融制度的不健全等原因；最后是由于金融机构本身发展不完善、金融产品种类较少和金融机构社会责任缺失等。以上原因都是导致金融对贫困地区和贫困人口的非包容性发展。第四章是根据第三章的原因提出相应的政策。首先新疆应加快自身经济发展速度，促进全国对新疆地区的包容，并且新疆各地区应充分发挥自身优势，提高各地区经济实力，促进新疆整体经济实力的提升。新疆还应该加强教育投资，促使居民适应新时代社会，对特殊人群的文化和信仰应该取其精华，弃其糟粕。
[Abstract]:In April 15, 2011, Chinese President Hu Jintao issued a keynote speech entitled "inclusive development: the common agenda and new challenges" at the Boao Forum on Asia. It expounded China's views on "inclusive development" and our practice in "inclusive development". The concept of inclusive development emphasizes the idea of balanced growth. The strategy of inclusive development provides a new way of thinking for solving the problem of structural imbalance in economic development and plays an important role in exploring the strategic path of China's financial reform and development.
Xinjiang is located in the remote area of Northwest China, showing unique and typical regional economic characteristics. Under the background of western development and 19 provinces and cities' counterpart support, Xinjiang economy achieved a new breakthrough in the rapid economic development in.2012 years: the total value of GDP (GDP) was 746 billion 630 million yuan, up 12%. At the same time of rapid economic development, many people did not enjoy it. The results of economic development, some people even more poor, while the national Gini coefficient is increasing, Xinjiang financial development is also extremely unbalanced, that is, non inclusive development. This article is divided into five chapters. The introduction details the present situation of inclusive development, and introduces the research methods and shortcomings of this article.
The first chapter mainly analyzes and defines the theory of financial inclusion. First, inclusive development is to enable all people to enjoy the results of economic development and improve the people's lives. Secondly, financial inclusion advocates that in the process of economic development, the majority of people are able to enjoy financial services and provide the people in need of funds. Capital, improve insurance density and insurance depth, increase financing channels, promote balanced economic development and enjoy equal benefits of social development.
The second chapter compares Xinjiang with national finance, and finds the gap between Xinjiang and the country in the financial field, and compares the various regions of Xinjiang from the overall economic development, economic structure, insurance, financial institutions and securities, and finds that the financial and economic development of each region is extremely unbalanced and the financial development of the poorer areas is falling. Besides, there are special population structure, ethnic culture and geographical structure in Xinjiang. The economy and finance in various regions of Xinjiang are analyzed in detail.
The third chapter is mainly through the analysis of second chapters of data analysis to find out the reasons for the lack of financial inclusion. First of all, because of its own reasons, Xinjiang has caused insufficient financial inclusion, Xinjiang's economy is backward, and many financial enterprises are reluctant to enter Xinjiang; the special culture of Xinjiang, to some extent, leads to the exclusion of the main body to the finance by the population structure. Secondly, the financial policy is not perfect, such as the lack of effective norms of private capital, the imperfect financial system and other reasons. Finally, because of the imperfect development of the financial institutions themselves, the less kinds of financial products and the lack of social responsibility of the financial institutions, the above reasons are the non inclusive development of the financial institutions to the poor areas and the poor. Exhibition.
The fourth chapter puts forward the corresponding policy according to the reasons of the third chapter. First of all, Xinjiang should speed up its own economic development speed and promote the tolerance of the whole country to the Xinjiang region. And all regions of Xinjiang should give full play to their own advantages, improve the economic strength of each region and promote the overall economic promotion of Xinjiang. Xinjiang should also strengthen the investment in education and promote the promotion of the overall economic strength of Xinjiang. The residents should adapt themselves to the new society and take the essence and discard the dross of their culture and beliefs.
【学位授予单位】：新疆财经大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.7

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