【作者】 陈恒；

【导师】 方晶；

【作者基本信息】 华中科技大学 ， 产业经济学， 2016， 硕士

【摘要】 通过对我国城市化、金融发展与经济增长的现状分析,发现我国不同区域间金融发展与经济增长之间非平衡的发展关系,由此本文提出了金融发展促进经济增长存在城市化门槛的假设。基于该假设,结合前人的理论与研究成果,通过金融发展影响经济增长的途径和作用机理以及城市化进程与金融发展之间的互动关系的总结提出了金融发展促进经济增长存在城市化门槛的原理,即城市化通过影响金融发展以及影响储蓄率、储蓄向投资的转化率以及技术进步等因素进而影响金融发展促进经济增长的效应。针对以上的假设和理论分析,利用我国1990-2012年29个省份的面板数据,本文对城市化影响金融发展促进经济增长的效应进行了实证检验,并通过分组回归对实证结果进行了检验。结果表明,城市化水平制约了金融发展对经济增长的作用,金融发展对经济增长的影响具有一个城市化门槛,只有城市化发展到一定水平之后,金融发展对经济增长才有积极作用。基于研究结果的结论和建议是:扩大金融规模,提高金融系统效率都需要城市发展到一定水平,进而才能促进经济增长,因此,在充分考虑各地区金融发展差异的前提下,着重提高各城市城市化水平,为金融发展提供优良的软硬件环境,才是发挥金融促进经济增长作用的有效途径。更多还原

【Abstract】 Through analysis of the current situation of China’s urbanization, financial development and economic growth. Non-balanced financial development and economic growth is found among different regions. Thus comes the hypothesis that there is a threshold of urbanization for financial development to promote economic growth. Based on this assumption, combined with previous theories and research results, through analysis of the interactive relationship between urbanization and financial development and ways and mechanisms of how financial development influence economic growth come to an conclusion that there is a principle of threshold of urbanization. That is, urbanization through the influence of financial development and the impact of the savings rate, savings investment conversion rate and technological progress and other factors to affect financial development promote economic growth.Using panel data of 29 provinces in China, this paper conducts empirical analysis on how urbanization affects the effect of financial development on economic growth. Empirical results show that the level of urbanization restricts the effect of financial development on economic growth, only if urbanization development hits a certain level can financial development play a positive role on economic growth.Conclusions and recommendations based on research results are: to improve the efficiency of the financial system,so to promote economic growth,needs urban expand to a certain level.Therefore, under the premise of regional differences in financial development, we should focus on improving the urbanization level, to provides excellent hardware and software environment for the development of financial.更多还原