中国金融发展水平：比较与分析

【作者】 吉敏；

【导师】 艾洪德；

【作者基本信息】 东北财经大学 ， 金融学， 2005， 硕士

【摘要】 中国金融改革已近二十多年，中国金融产业有了长足的发展。在即将兑现加入WTO相关条款的承诺之时，回顾中国金融发展问题，对于我们总结经验、发现问题以及进一步指导工作都有一定的理论与实际意义。 全文共分四部分，第一部分是理论介绍，简明扼要的阐述了关于金融发展理论的研究历程，紧接着对国际上和国内有关学者的研究做了简单总结，这也是本文选题的背景。第二部分是实证分析，即对中国金融发展水平的指标度量，因为这是金融发展水平的具体表现。文中列示了四个总体变量，它们分别是中国货币扩张系数、中国非货币金融资产发行系数以及中国金融相关系数，分别以这四个变量作为因变量，以时间年份作为因变量进行线形回归，得出一系列方程，然后对这些方程进行检验，对变量可能出现的自相关、异方差加以矫正。第三部分是比较分析，因为金融发展水平的高低只有通过比较才能显现出来。于是本文先是进行国内时间序列的纵向比较，分别考察了中国金融资产总量、中国金融资源配置效率、地区间金融发展和银行业的现状，紧接着进行国际上的横向比较，从金融发展总体水平、金融竞争力和金融开放程度等角度把中国和世界发达国家以及发展中国家的情况进行对比，最后进行小结。第四部分是文章的观点说明并提出针对性的建议，其中主要观点包括中国金融发展滞后，金融发展水平不高，金融发展路径单一，最后依据中国目前的经济与金融发展的基本情况，从中国金融生态环境、组织体系、金融工具和金融市场的建设提出了一系列的中国金融发展政策建议。更多还原

【Abstract】 The Chinese finance has reformed more than 20 years and has gotten a big success. In soon cashes joins the WTO correlation provision before the pledge, we reviews the Chinese finance development questions, sums up experience and find the problems ,which has the certain theory and the practical significance.The full paper divides four parts, the first part is the fundamental presentation about the financial development theory research course, followed by international and the domestic concerned scholar’s research, this also is a background which this article selects a topic; The second part is the real diagnosis analysis, namely to Chinese finance level of development target measure, this is the financial development concrete manifestation. The article shows four gross variables, they respectively are Chinese currency expansion coefficient, the Chinese non- currency finance property release coefficient as well as the Chinese finance correlation coefficient. I respectively take the dependent variable by these four variables, carry on the linear return by the years as the dependent variable and obtain a series of equations, then I carry on the examination to these equations, possibly appears the autocorrelation to the variable, the difference carries on rectifies. The third part is the comparative analysis, because the finance level of development height can appear only through the comparison. I carry on the time series for the longitudinal comparison, separately inspected the total quantity of Chinese finance property, the Chinese finance resources disposition efficiency, the area financial development and banking industry’s present situation. Then I take international comparison on the cross wise, from the financial development aggregate level, the finance competitive ability and the financial opening degree, compare China with the developed countries as well as the developing nations. The fourth part is the basic analytical conclusions and the suggestions, the major points including the Chinese finance development lag, the finance level of development is not high, the financial更多还原