【作者】 朴松花；

【导师】 赵儒煜；

【作者基本信息】 吉林大学 ， 区域经济学， 2009， 博士

【摘要】 区域金融作为现代市场经济条件下大国金融发展的一种客观经济现象,实践证明,只有将金融置于区域经济的环境中进行研究才能更清楚地认识金融的意义。尤其是在中国区域性经济特征日益突出的形势下,区域经济与区域金融的互动关系必然会更加趋于复杂化和多样化。因此,基于省际行政区域探讨黑龙江省金融与经济发展关系更具有现实意义。本文在借鉴国内外已有研究的基础上,首先从总量、供需结构角度分析黑龙江省经济发展的特点,并基于全要素生产率分析方法,对黑龙江省经济增长的动力因素进行估价,从而得出黑龙江省经济发展的总体性特征。其次,从理论和实证两方面考察黑龙江省金融与经济增长之间的关系。理论上基于动态经济增长模型分析金融发展影响区域经济传导机制,实证分析上主要采用多元回归模型和格兰杰因果检验方法。在上述分析的基础上,深入探讨黑龙江省区域金融发展变化的轨迹、存在的主要问题、产生的原因并提出通过黑龙江省金融发展模式的重构来促进黑龙江省区域经济发展的总体思路。更多还原

【Abstract】 In the process of economic development, discussion on relation of finance and economic development is a consistent issue. The regional character of finance is noticed in the sense of an external phenomenon in the process of economic development. In my idea, only in the circumstance of regional economics can the significance of finance be realized.Currently, the economists share different ideas in relation of finance and economic development. As far as the financial system of developing country is concerned, most economists believe that it is a true statement that financial development can promote the economic development. Despite the interaction of regional economics and finance being complicate and diverse more and more, people do not pay enough attention to the function of fund in regions. Hence, under the condition of China’s regional economy being outstanding more and more, I think it is significant and practical to explore relation of finance and economic development in Heilongjiang Province.In this paper, I use the research results on theory of economic development, theory of financial development and theory of regional finance. Especially, on the basis of the result on regional finance, I apply the means of quantitative to make a positive research on the relation of regional financial development and economic increase in Heilongjiang province. At the same time, I focus on the character of economic development in Heilongjiang province. According to the practical data of economic development of Heilongjiang province and North-east region, I make a comparative analysis on the status of financial development in Heilongjiang province from the aspects of quantity, structure and efficiency. With such a basis, I point out that the most important problems existed in the financial development of Heilongjiang province and make a deep analysis on the cause. Finally, I explore the new way of improving regional economy by building up a nice circumstance for regional finance and reconstructing the mode of regional finance. The concrete research is as follows.Firstly, I outline the content in theory of financial development and regional finance according to the relevant literature in both domestic and foreign academic fields. Since it is irregular foe the distribution of supply and demand of financial resources, there must be regional character in financial function. Regional finance is an extension in regional economy and is the concretion of relation between financial development and economic accretion. It is a middle layer in the theory of financial development.There are plenty of research results made by scholars both in domestic domain and foreign counties in the sense of regional finance. As to the relation of financial development and economic accretion, we can make an explanation by using financial media and the inner developing model in financial market. The experimental result shows that such a relation is very complicate. There is much difference in conclusion concerning different nations, economic stages, institutions and research methods.Secondly, I make a comparative analysis on the special character of economic development in Heilongjiang province. With the method of the all-element efficiency, I make an evaluation on the dynamical elements that cause the accretion of economic development in Heilongjiang province. I make both static and dynamical analysis on the economic amount and structure on character of economic development in Heilongjiang province. In time dimension, the recent five years is the period in which economy of Heilongjiang province got its rapid development. Comparing with the other regions, economics in Heilongjiang province got a bigger gap with those of others. Concerning with the character of amount increase, economics in Heilongjiang province still needs to be pulled by investment mainly. But the investment in recent years showed that it declined more and more. Concerning with the character of development structure, there is a status of maladjustment in development of industry structure and employment structure. In the aspect of macro control policy, the government of Heilongjiang province is sensitive to the relevant policy on deflating control but it is blunt to the policy of inflation control, which is on the opposite condition to the general tend. And this causes a big tide change in economic accretion.There are several conditions, such as national conditions, developing stages, regional difference, which decide the mode of economic accretion. Therefore, the mode of economic accretion concerns not only the accretion speed of macro economy, but also quality and efficiency, and so on. In this paper, I utilize a faint evaluation to judge the stage that economy in Heilongjiang province stays, and then I make a general evaluation on its accretion by the means of all-element method. The rate of contribution of Heilongjiang’s economic accretion, its efficiency, quality and speed are all concerned in such a system. My conclusion is that the economic accretion of Heilongjiang province depends much on investment, and that it is a large-scale economy.Thirdly, I make an analysis on the current status of Heilongjiang’s economy according to the data of financial development in Heilongjiang, North east region and all of the country. In the time dimension, finance in Heilongjiang province gets a great improvement with the development of regional economy. Comparing with the other regions, finance in Heilongjiang province has a far length with the other regions. Moreover, there is a trend that the length is enlarged more and more. We can see the trend as follows. First, with the decline of loan increase, the degree of financial depth is debased, which means that it gives a weaker support for economic development. Second, the targets of financial employment and productive contribution do not match, and this leads to the big number of financial faculties with low efficiency. Thirdly, the fame of Heilongjiang’s banks is affected by many non-performing assets and managing deficiency. Finance in Heilongjiang province is unavoidable being declined.Finally, I examine the relation of financial accretion and economic development from both theoretic and experimental aspects and propose some strategies on promoting the development of Heilongjiang’s finance. In theory, I use a dynamical model of economic accretion to analyze the impact of financial development on conducting function of regional economy. In practice, I use the model of multi-return and the examining method of cause and effect. Such a model helps us to find that there is a negative relevance between financial development and economic development in Heilongjiang province, while there is a positive relevance between financial markets and economic development. The model of cause and effect shows that there is a single causality between economic development and financial development in Heilongjiang province. That is to say, the economic development of Heilongjiang province affects the level of its own region, but the impact of financial development on economic accretion is not obvious. There is not positive interaction between regional finance and economy. There is a slow speed in the development of finance in Heilongjiang province. The main reason for such a status is that the contradiction between institution and structure of economic development in Heilongjiang province. In detail, the state economy owns a small share in economic amount, and the speed of development is slow, and the mode of economic development is large-scale. All of the aforementioned elements restrain an efficient demand for bankroll. At the same time, a large amount of non-performing loans and deficient management in banks cause the narrow space of development in finance of Heilongjiang province. In addiction, the condition of outer credit, legal construction and investment is behindhand, which restricts the supporting degree that finance can have to regional economy. There is an evil circulation between economy and finance in Heilongjiang province.According to the aforementioned analysis, we can make a judgment that the regional finance in Heilongjiang province is on the junior stage of financial development. The system of financial market does not achieve yet. The structure of financial organization is singe-side. And the consciousness and capacity of financial demand subjects are not mature. Hence, I propose that in order to enhance the level of Heilongjiang’s economic development, strategies are necessary. The strategic aim for financial development in Heilongjiang province is to promote the regional finance from its outer mode to an inner mode and to break the old means of corporate financing. And then a true financial market can be achieved. In the macro aspect, we need to build up and advance a perfect system of market financing as an important part in the system of socialist market economy in Heilongjiang province.According to the united strategy, we need to apply reform of finance and openness, construction in plan. The concrete measure is that we need to highly promote the credit reconstruction of Heilongjiang province, emphasizing the security of finance. In order t reach such an aim, we need to be under the leader of the government, and to construct a nice circumstance of financial development. The national state, the regional government and the banks unite together to solve the historical problem on non-performing loans so as to improve the quality of assets, to increase the supporting degree to regional economy. We should regard Harbin as the center of regional finance, improving the structure of financial organization, reforming state-owned commercial banks, enlarging the openness of regional finance, raising the ability of resisting risk and competition and constructing a consistent system for economic development. We also should apply the strategy of centralizing financial industry and regional division in order to improve financial cooperation and resource unity, to from a well-ordered layout of financial industry, and to supply the economic development of the whole province with a strong supporting.更多还原