安徽省民间金融促进经济发展研究

发布时间：2019-01-15 22:15

【摘要】：随着目前中国金融制度改革的不断深化,金融需求也越来越趋于多元化。民间金融因为其方式多样、灵活方便等优势补充市场资金需求,适应市场经济的发展。民间金融的发展问题成为近年来我国金融业研究的焦点,甚至是世界范围内一个很重要的理论和实践问题。经历了改革开放之后,中国的经济也经历了飞速迅猛的发展,金融市场体系多样化发展,相应地我国金融需求大量增加。然而正规金融对资金供给明显不足,民间金融作为正规金融的一个有力补充,在金融改革中逐渐恢复并发挥不可替代的重要作用,缓解了金融市场上资金供需的矛盾,提高了社会资源配置和资金运行效率,有利于金融体系的运行,在社会经济发展的过程中起到了愈加重要的作用,为经济发展提供了有力的金融支持。伴随着安徽省经济的发展,民间金融保持快速增长的趋势,它主要的组织形式包括民间借贷、合会、民间集资、农村合作基金会、私人钱庄和银背、典当。民间金融很大程度上缓解了中小企业融资困难的问题,为促进民营经济发展提供了资金支持,为丰富金融市场做出了巨大贡献,但依然存在管理不规范、风险大等问题。因此研究如何正确发挥民间金融对经济发展的正面影响,规避其负面影响,具有十分重大的意义。本文首先阐述了民间金融发展背景以及民间金融的研究综述,包括民间金融的定义、民间金融的生成原因、利率生成机制以及民间金融发展与正规金融、宏观经济发展的关系。在阐述金融抑制、金融深化、金融约束和信息不对称等基础理论之后,对安徽省民间金融发展现状进行探究。笔者通过θ间接估值法,测算出了1993-2012年安徽省民间金融的规模,从结果可以看出安徽省随着经济的增长与正规金融稳定增长相比,民间金融呈现波动增长的现象。再利用测算出的民间金融规模数据和安徽省GDP来分析安徽省民间金融发展与经济发展的关系,通过计量分析得出了安徽省民间金融与经济增长是具有长期稳定的均衡关系,民间金融每变动一个百分点,GDP同向变动0.57个百分点。通过格兰杰因果检验,得出民间金融是经济增长的格兰杰原因,经济增长也是民间金融的格兰杰原因。民间金融的发展对经济增长的有显著地正向影响,经济的发展会带来金融市场的多样化发展,刺激民间金融的扩大。民间金融通过为中小企业提供更为便捷的融资服务来支持中小企业发展进而促进经济发展,提高社会资源配置效率、优化社会融资结构,一定程度上补充正规金融、完善竞争的金融体系。通过实证分析也证明了安徽省民间金融的发展促进社会经济的发展。我们应正确认识安徽省民间金融对经济增长的促进作用的同时,理性对待民间金融给社会和经济带来的负面影响,规范民间金融,为经济发展带来有利影响,本文提出了规范民间金融来促进经济几点建议：健全民间金融的法律框架,订立关于民间金融相关法律法规,让民间金融阳光化、合法化。建立有效的民间金融监管制度、建立规范的民间金融内部控制机制、推进利率市场化制度改革,营造良好的民间金融发展环境。只有正确引导民间金融、避开其不利影响才会真正发挥对经济增长的促进作用。
[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
【学位授予单位】：安徽大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.7;F127

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