云南民族自治地方金融排斥及其治理政策研究

【作者】 章林；

【导师】 任新民；

【作者基本信息】 云南大学 ， 马克思主义民族理论与政策， 2014， 博士

【摘要】 金融排斥治理政策是对现实经济发展中金融排斥态势的一种纠偏,民族自治地方应成为金融排斥治理政策最大受益者和重点关注对象,研究民族自治地方金融排斥的治理路径及其治理政策是治理其金融排斥的有效手段。本论文以马克思主义民族政策理论、发展经济学、金融发展理论、区域经济学、经济地理学和边疆经济学理论等多学科理论为基础,试图构建一个评价民族自治地方金融排斥态势的指标体系和案例模式；同时分析民族自治地方金融排斥治理路径及其治理政策；以云南民族自治地方为研究对象,在“桥头堡”战略的背景下,用实地考察调研的方式深入分析各民族自治地方的具体金融排斥态势和金融排斥治理实现路径,结合该领域相关前沿研究方法和计量分析模型,实证分析云南民族自治地方的金融排斥指标和案例,以此探究最适宜的民族自治地方金融排斥治理路径,从而为云南民族自治地方实现金融资源的有效配置,达到金融“普惠性”目标功能和地区金融体系的“包容性”发展提供一定的政策建议。论文在理论综述部分概括研究了本论文的理论基点——分析了金融排斥及其治理理论和研究文献,分析综述了云南民族地区金融发展和金融普惠的相关理论成果。按照本论文研究问题的逻辑,为论文研究积奠了理论基础。进而,在相关理论分析的基础上,本文构建了研究的背景框架：云南民族自治地方金融发展、金融生态及其经济金融政策实践与效应,起到承上启下的作用,既理清了全文研究的整体思路,也是本文理论推演和实证研究的依据所在。在研究的主体部分,以背景框架为基础,论文规范的、开创性的构建了云南民族自治地方金融排斥评价体系。首先,按照民族自治地方金融排斥的界定、民族自治地方金融排斥的影响因素、民族自治地方金融排斥指标评价体系和民族自治地方金融排斥案例评价模式四个层次构建全面评价民族自治地方金融排斥态势的研究框架。论文的实证研究部分运用已经构建的评价体系对云南民族自治地方金融排斥指标评价体系进行了验证。其次,论文从云南民族自治地方金融体系实际发展状况,运用田野调查等方法,设计了三大类共计44个指标,深入各个云南民族自治地方的村落,取得了将近5万个一手调研数据,详尽的分析和评价了云南八大民族自治州的金融排斥案例模式。为了研究金融排斥的治理,论文首先实证分析了云南民族自治地方的金融排斥效应；进而介绍了国内外金融排斥治理的实践发展；最后结合云南各民族自治地方自身实际情况,从外部环境营造、市场主体培育和金融商品创新三个层面,对金融排斥治理路径进行了分析,给出了具体的云南民族自治地方金融排斥治理政策建议。更多还原

【Abstract】 Financial exclusion governance policies is a rectification for the financial exclusion situation in economic development, ethnic autonomous areas should be the biggest beneficiary and focus object of financial exclusion governance policies, study on the governance path and policies of financial exclusion in ethnic autonomous areas is an effective way to control its financial exclusion. This thesis, based on national policies of Marx theory, development economics, financial development theory, regional economics, economic geography, frontier economics theory and other disciplines theory, attempts to construct an index system and a case model for the evaluation of financial exclusion situation in ethnic autonomous areas; at the same time analyses the financial exclusion governance path and policies in ethnic autonomous areas; takes the ethnic autonomous areas of Yunnan for research object, in the "bridgehead" strategy background, uses of field visit research way analyses in-depth the specific financial exclusion situation and financial exclusion governance achieved path in ethnic autonomous areas, combines the related frontier research method and quantitative analysis model, analyses empirically the financial exclusion indicators and cases in ethnic autonomous areas of Yunnan, to explore the most suitable financial exclusion governance path in the ethnic autonomous areas, thereby to achieve the effective allocation of financial resources for the ethnic autonomous areas of Yunnan, and to reach the financial "general profitability" target and the "comprehensive" development of local area’s financial system.The theoretical basis of theory summary part of this thesis summarizes the research work:the overall retrieval of China national economic policy research literature, including the mainly theoretical and empirical research results; analysis of the relative theories of financial development in ethnic areas of China:analysis of financial exclusion and its governance theory and research literature. According to the research logic on the problem of this thesis, it accumulates foundation theories for thesis research.Then, based on the analysis of related theory, this thesis constructs the framework of research background:practice and effects of financial development, financial ecological and economic and financial policy in ethnic autonomous areas of Yunnan. It plays the role of the link, not only to clarify the overall thought of this thesis, and also the basis of the theoretical deduction and empirical research of this thesis.In the main part of the study, with the basis of background framework, this thesis builds normatively and creatively the local financial exclusion evaluation system of Yunnan ethnic autonomous areas. Firstly, according to the definition of financial exclusion of ethnic autonomous areas, the impact factor of financial exclusion of ethnic autonomous areas, the exclusion index evaluation system of financial exclusion of ethnic autonomous areas and the case evaluation model of financial exclusion of ethnic autonomous areas, with the four levels, this thesis constructs comprehensively the research framework for the evaluation of financial exclusion situation of ethnic autonomous areas.Empirical research part of this thesis uses the evaluation system verified the financial exclusion index evaluation system of Yunnan ethnic autonomous areas. Secondly, the thesis, from actual situation of the financial system of Yunnan ethnic autonomous areas, uses the field survey and other methods, designed three categories of a total of44indicators, investigate in-depth the various ethnic autonomous areas in Yunnan, has made nearly50000first-hand data, detailed analysis and evaluation has been made on the financial exclusion case mode of eight ethnic autonomous prefectures of Yunnan.In order to study the financial exclusion governance, firstly, the thesis analyses empirically the financial exclusion effect in the ethnic autonomous areas of Yunnan; then introduces domestic and foreign financial exclusion governance practice and development; finally, combines with the actual situation of the ethnic autonomous areas of Yunnan, at the same time, analyses the financial exclusive governance path from three aspects of the supply side and demand side of financial system and the administrative power.The problem solving part of this thesis is on the basis of the above research, combines with the actual situation of ethnic autonomous areas of Yunnan, analyses the financial exclusion governance path from there aspects:creation of the external environment; cultivation of the market participants and innovation of financial product, and gives specific recommendations on financial exclusion governance policies in ethnic autonomous areas of Yunnan.更多还原