西部地区农村金融深化中的政府行为研究

【作者】 李阳；

【导师】 高新才；

【作者基本信息】 兰州大学 ， 区域经济学， 2009， 博士

【摘要】 本文运用金融深化理论,系统研究我国西部地区农村金融深化问题,并主要就政府在其中的行为作用进行了探讨。论文从梳理金融深化中政府行为相关研究理论入手,以此为基础对西部地区农村金融深化程度进行实证分析,并与全国及东部、中部地区进行比较。在借鉴国外落后地区开发和农村金融体系先进经验的基础上,提出了西部地区农村金融深化中政府行为的直接方式与间接方式,并尝试性地构建了一个初步的分析框架。论文首先回顾与评析了金融深化中政府行为研究的相关理论,探讨了金融深化的一般理论、农村金融理论、一般政府行为理论和区域经济政策理论。在此基础上,选取相关指标对农村金融深化程度进行实证分析,认为西部地区在总量、结构和效率三个方面与东、中部地区存在一定的差距,这种差距从根本上看是由经济发展水平的区域差异造成的。借鉴学界相关研究,提出“金融成熟度”及其测算方法,采用主成分分析方法对我国九个省(市、区)的农村金融成熟度进行测算并排序,发现虽然我国农村金融发展呈现区域发展不平衡的局面,但是发达地区民间金融的作用尤为重要,并提出了提升欠发达地区农村金融成熟度的方案。鉴于市场和政府都存在一定程度的失灵,论文分析了政府在农村金融深化中的地位与作用,确定了政府行为的成本与效用函数,通过无差异曲线和边际替代两个视角界定了政府与市场的行为边界,认为在农村金融深化中,政府应该在西部地区经济、社会条件约束下选择合理定位,最大程度发挥政府效用。同时,在回顾国外相关行为的基础上,提出了对我国西部地区农村金融深化的相关启示。中国不是一个最优货币区域,因此西部农村金融深化过程中政府行为的直接方式是金融制度安排的区域倾斜,即宏观方面体现货币政策工具的多层次性,微观方面构建区域差别化的农村金融市场。而要想真正解决农村金融的实质问题,除了金融体系本身的改革,政府还要考虑到金融体系的外部机制问题,如农村土地流转体系的完善,农村社会保障体系的健全,以及农村公共财政机制的平衡。更多还原

【Abstract】 In this paper, by using the theory of financial deepening, the author gives a systematic study of the question of financial deepening within the rural areas of western China and explores the role of government behavior within the process. This paper begins with reviewing relevant theories of government behavior in financial deepening, then, based on the theories, gives an empirical analysis of the degree of financial deepening within the rural areas of western China, and compares the result with the statistics of east and central China. By referencing the development of backward areas of foreign countries and advanced experience of the financial system of rural areas, the author points out the direct and indirect means of government behavior in financial deepening of the rural areas of west China and formulates an integrated theory.First, the paper reviewed the related theory of government action in financial deepening, such as the general theory of financial deepening, rural financial theory, general theory of government behavior and the theory of regional economic policies. On this basis, select the relevant indicators to make empirical analysis of the degree of financial deepening in rural areas. We think there are some gaps among the western region in total volume, structure and efficiency with the eastern and central regions. Fundamentally speaking, the regional difference is caused by the regional difference of the level of economic development. through measuring and ranking the rural financial maturity of nine provinces (cities, districts)of eastern, central and western regions ,the author finds that there are also some regional differences of the rural finance maturity. In developed areas, private finance has become an important force on promoting rural economic development and its impact on rural finance should not be neglected. Since sometimes market and government will not work properly, in rural financial deepening, the government should choose a reasonable position restrained by the economic and social conditions of the western region and maximize the effectiveness of the government to achieve the unity of fairness and efficiency.Therefore, China is not an optimal currency area. Regional inclination of financial system is the direct means and tool of government behavior during the process of financial deepening of rural areas of western region. To implement the policy unifying national equity and regional difference and construct the monetary and financial policy of regional difference will improve the financial ecological environment of rural financial deepening of western region and narrow the gap with eastern developed areas. At the same time, to solve the essential problem of rural finance, in addition to the reform of the financial system itself, the government should also take into account the external mechanism of the financial system. To solve the problem of rural finance of poverty-stricken areas in the western region, we need to proceed from the basic system of rural areas and reflect the difference between eastern and western areas and not treat them in the same way.更多还原