本文關鍵詞： 所有制結(jié)構變遷 非正規(guī)金融 地區(qū)差異 GMM 協(xié)調(diào)發(fā)展　出處：《重慶大學》2014年碩士論文　論文類型：學位論文

【摘要】：改革開放30多年以來，中國非正規(guī)金融發(fā)展迅速，貨幣資金借貸規(guī)模不斷擴張，同時，我國所有制結(jié)構進入深層次改革階段，市場化水平不斷提高，非公有制經(jīng)濟蓬勃發(fā)展。然而，非公有制經(jīng)濟發(fā)展呈現(xiàn)地區(qū)差異的同時，，非正規(guī)金融也表現(xiàn)出明顯的區(qū)域差異性特征。因此，本文在既有研究基礎上，探究所有制結(jié)構變遷對非正規(guī)金融發(fā)展影響的區(qū)域差異性，有利于為各區(qū)域經(jīng)濟金融的發(fā)展提供差別化的政策建議。 本文研究的主要內(nèi)容包括：首先，是國內(nèi)外學者對所有制結(jié)構變遷與非正規(guī)金融發(fā)展的研究綜述以及筆者的述評；其次，是對改革開放以來我國東、中、西部地區(qū)所有制結(jié)構變遷與非正規(guī)金融發(fā)展的動態(tài)趨勢與差異性特征進行觀察，通過計量發(fā)現(xiàn)我國東部地區(qū)所有制結(jié)構變遷最為深入，同時非正規(guī)金融發(fā)展水平也最高，中部次之、西部最小，并且在非正規(guī)金融發(fā)展與所有制結(jié)構呈現(xiàn)出的總體差異中帶際差異起主導作用。然后，闡述了所有制結(jié)構變遷對非正規(guī)金融發(fā)展影響的一般理論并且猜想所有制結(jié)構變遷對非正規(guī)金融發(fā)展具有正向影響，這種影響在東部地區(qū)最大，中西部地區(qū)相繼減弱；此外，為了對作為制度變量的所有制結(jié)構變遷有一個更為深入的理解，還對其內(nèi)生性進行了討論。再次，在理論推導的基礎上構建了動態(tài)面板模型并利用廣義矩估計法（GMM）進行了實證檢驗。最后，根據(jù)理論分析與實證檢驗得出結(jié)論。 檢驗結(jié)果表明所有制結(jié)構變遷對非正規(guī)金融發(fā)展的影響為正，并且由東向西逐漸遞減；而控制變量中收入水平、經(jīng)濟貨幣化程度對非正規(guī)金融的發(fā)展存在顯著的積極作用，東部地區(qū)收入水平與經(jīng)濟貨幣化程度對非正規(guī)金融發(fā)展的影響明顯高于中西部地區(qū)；然而，教育水平與非正規(guī)金融發(fā)展呈負相關，并且西部地區(qū)這一變量對非正規(guī)金融發(fā)展的影響較大，中、東部相繼減小。最后，在上述研究的基礎上，基于不同地區(qū)所有制結(jié)構對非正規(guī)金融發(fā)展影響的不同，得出了幾條有利于地區(qū)之間所有制結(jié)構變遷與非正規(guī)金融協(xié)調(diào)發(fā)展的政策建議。
[Abstract]:Since the reform and opening up more than 30 years ago, China's informal finance has developed rapidly, and the scale of money and fund lending has been continuously expanding. The non-public economy is booming. However, the development of non-public economy presents regional differences, while informal finance also shows obvious regional differences. Therefore, this paper based on the existing research, To explore the regional differences of the influence of ownership structure changes on the development of informal finance is helpful to provide differential policy advice for the development of regional economy and finance. The main contents of this paper are as follows: firstly, it is a summary of the research on the change of ownership structure and the development of informal finance at home and abroad and the author's review; secondly, it is about the east and the middle of China since the reform and opening up. By observing the dynamic trend and difference characteristics of ownership structure change and informal finance development in western China, it is found that the ownership structure changes in the eastern part of China are the most profound, and the level of informal finance development is also the highest. The second is in the middle, the smallest in the west, and plays a leading role in the overall differences in the development of informal finance and the ownership structure. This paper expounds the general theory of the influence of ownership structure change on the development of informal finance and conjectures that ownership structure change has positive influence on informal finance development. This influence is the largest in the eastern region and weakens in the central and western regions. In order to have a deeper understanding of the change of ownership structure as a system variable, we also discuss its endogeneity. Based on the theoretical derivation, the dynamic panel model is constructed and the generalized moment estimation method (GMMM) is used to make an empirical test. Finally, a conclusion is drawn according to the theoretical analysis and empirical test. The results show that the change of ownership structure has a positive effect on the development of informal finance, and gradually decreases from east to west, while the income level in control variables and the degree of economic monetization have significant positive effects on the development of informal finance. The influence of income level and economic monetization on the development of non-formal finance in the eastern region is obviously higher than that in the central and western regions, however, the level of education is negatively correlated with the development of non-formal finance. And the influence of this variable on the development of informal finance is greater in the western region than in the eastern part. Finally, on the basis of the above research, the influence of ownership structure on the development of informal finance in different regions is different. Several policy suggestions are given for the coordinated development of regional ownership structure and informal finance.
【學位授予單位】：重慶大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F121.2;F832

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