【作者】 张波；

【导师】 王正耀；

【作者基本信息】 郑州大学 ， 金融学， 2011， 硕士

【摘要】 随着市场化进程的不断加快,金融业作为现代经济的核心,在国民经济中的作用日益凸显。但是,作为一个新兴的市场经济国家,我国金融业在高速成长的同时面临着区域发展差距不断扩大的现实困境。近年来,统计资料表明：无论就金融相关比率、金融机构和从业人员分布、金融资产规模还是参与资本市场发展的程度等指标来看,我国东部地区都远远超过中西部地区并呈现出非收敛性特征。东部与中西部区域金融发展差异的扩大必然导致区域经济发展水平差异的进一步扩大,进而影响区域经济协调发展与和谐社会的建设。我国区域金融差异与其他发展中国家还有明显的不同之处,即我国是一个新兴加转轨的市场经济国家。从某种程度上讲,改革开放是因,区域金融发展差异是果。因此,考察区域金融差异,除了与经济地理、历史文化环境、经济基础和改革开放初期的中央非均衡发展战略等因素有关外,作为区域内部制度创新的主体,地方政府行为的差异应该成为一个重要的制度变量。本文立足于财政分权和体制转轨的大背景下,以地方政府行为作为理论分析的视角,来探讨区域金融发展问题。全文共分为五个章节。第一章,导论。简要介绍选题背景及研究意义、文献综述、研究方法及论文框架结构。第二章,中国区域金融发展差异现状。主要从金融深化程度、金融组织体系、金融资产规模以及参与资本市场的程度等指标对我国不同经济区域之间的金融发展水平做一个简单的比较。第三章,地方政府行为与区域金融发展差异的形成机理。从实证角度出发,以地方政府治理下的区域经济差异和金融生态环境差异作为分析问题的切入点。首先,从区域经济市场化水平、地方政府提供公共物品的能力和政府行政效率三项指标考察不同区域地方政府参与区域经济竞争能力的差异。其次,从政府干预金融的力度、区域法治环境和区域信用环境三项指标考察不同区域地方政府在金融生态环境建设上的差异。第四章,区域金融发展中地方政府行为模式及其效应分析。对区域金融发展过程中地方政府的具体行为模式加以考察,探讨不同体制及不同经济区域下地方政府行为的共性及差异性。分析地方政府行为对区域金融发展的影响,研究地方政府介入金融的正面效应及其弊端。第五章,推动地方治理与区域金融发展良性互动的政策建议。本章主要是在上述几章分析的基础上,界定地方政府介入金融的合理边界,优化地方政府的行为,对地方政府的失当行为加以限制和修正,为区域金融健康有序的发展奠定基础。更多还原

【Abstract】 With the speeding up of the market, Finance as the core of modern economy has become increasingly prominent in the national economy. However, as an emerging market economies, Regional development of financial industry faces the reality of the widening gap. In recent years, statistics has shown that the speed of financial development in eastern China was faster than that on central and western regions from the indicators of the financial interrelation ratio, distribution of financial institutions and practitioners, financial assets and capital market development and showed a non-convergence characteristics. The expansion of the regional differences in financial development betweeen East and Midwest region will inevitably lead to differences in regional economic development, thereby affecting regional economic development and the construction of harmonious society.China is an emerging and transitional market economy. To some extent,the policy of the reform and opening up was a result of regional differences in financial development. Therefore, As the main body of the regional system of innovation,the study of regional financial differences should be based on the differences in local government behavior. This paper based on fiscal decentralization and System Transformation discusses the regional financial development from the perspective of local government.This paper is divided into five chapters. The first chapter includes background and significance of the topic, literature review, research methodology and framework. ChapterⅡis the discussion on China’s inter-regional differences in the level of financial development,Mainly from the degree of financial deepening, financial System, financial assets and the degree of participation in the capital market and other indicators on the different economic regions. ChapterⅢis the discussion on the formation mechanism between local government behavior and regional differences in financial development from the perspective of regional economic disparities and financial ecological environment. Chapter IV is the discussion on Local government behavior of different systems and different economic regions and analyzing its positive and negative effects. The last chapter based on the analysis of the previous chapters propose some policy recommendations on optimizing the behavior of local governments and promoting regional financial development.更多还原