中央电大免费论文下载我国个人金融业务发展存在的问题及对策Word格式文档下载.docx

1、学 号： 系 别：专 业：年 级： 指导教师：2013年 1月4日摘要国家统计局表示，2010年上半年在GDP增长的三大需求中，最终金融对经济增长的贡献率为53.4%，拉动GDP增长3.8个百分点。投资对经济增长率为87.6%，拉动GDP增长6.2个百分点。出口对经济增长的贡献率为负41%，下拉GDP增长负2.9个百分点。作为经济增长的“三架马车”之一的金融，在经济增长方式转变的关键时期，金融在国民经济良性循环中的枢纽和动力作用日益突出，长期以来就是众多学者所关注的热点。无论是在经济高速发展期，还是在金融危机的衰退期，刺激金融已经是最常用，最管用的方法之一。居民金融是社会再生产的重要环节，居民

2、金融需求的增长是拉动长期经济增长的主要动力，随着经济水平的提高和金融行为的多样化，金融行为及其规律的把握在宏观经济运行中具有重要的地位，人们对金融相关领域的关注愈发具有理论和现实意义。基于上述研究背景，本文力图将理论和实践相结合，以金融业为个案，对“金融对经济增长的影响”进行了系统研究。首先，在合理阐述金融与经济增长的内在关联性，深入考察国内外研究动态的基础上，分析了19782009年金融业金融率、金融需求弹性系数、金融对经济增长贡献以及金融与经济增长的关联度变化情况，在实践中印证金融对经济增长的拉动作用。分析了金融对经济增长的作用机理，为后面章节（？）研究奠定了理论基础。接着运用模型对数据实

3、证模拟，研究金融业金融与经济增长的长期均衡关系和短期动态因果关系，得出金融业金融与经济增长存在的长期均衡，金融对经济增长有正向促进作用的结论。其次，研究金融业现金居民的金融现状和特征，分析了金融业居民金融与经济增长的关系，并剖析了制约金融业居民金融制约经济增长的原因。以此为基础，提出了扩大金融需求的鼓励性政策思路：提高现金居民收入，调节收入分配关系；促进农村经济快速发展，提高农民收入，开拓农村市场；完善社会保障制度，营造良好的金融环境；积极发展金融信贷，加快个人信用体系建设；规范市场流通秩序，优化金融环境。关键词：金融；经济增长；金融业Abstract National Statistics

4、said GDP growth in first half of 2010 the three requirements, the final consumptions contribution to economic growth rate of 53.4%, driving GDP growth of 3.8 percentage points.Investment on economic growth rate of 87.6%, driving GDP growth of 6.2 percentage points.The contribution of exports to econ

5、omic growth rate was negative 41%, down 2.9 percentage points of negative GDP growth.As economic growth of the three carriage, one of the consumer, in the economic growth mode transformation of the critical period,virtuous circle of consumption in the national economy in the hub and power an increas

6、ingly prominent role, has long been a hot topic in many scholars,.Both period of rapid economic development, or recession in the financial crisis, boost consumer spending has been the most commonly used and most useful methods.Consumption is an important part of social reproduction, the growth in co

7、nsumer demand for long-term economic growth, the main driving force, as the economy and consumer behavior to improve the level of diversification, consumer behavior and the law of the grasp of important macroeconomic operationstatus, people concerned about the increasingly consumer-related areas of

8、theoretical and practical significance.Based on the above research background, this paper seeks to combine theory and practice to Zhangzhou Case, on the impact of consumption on economic growth in the system.First of all, a reasonable set of internal consumption and economic growth, relevance, in-de

9、pth study on the basis of application research.Analysis of the 1978-2009 consumption rates in Zhangzhou City, consumer demand elasticity, consumer contribution to economic growth and consumption growth correlation with the changes, in practice, prove consumption on the role of economic growth.Analys

10、is of consumption on economic growth, the mechanism for the later chapters of the theoretical foundation.Then empirical data using model simulation, Zhangzhou City, consumption and economic growth in the dynamic long-term equilibrium relationship and short-term causal relationship, obtained consumpt

11、ion and economic growth in Zhangzhou City, the existence of long-term equilibrium, consumption has a positive role in promoting economic growth and the conclusions.Secondly, the study of the consumption of urban and rural residents Zhangzhou status and characteristics of the residents of Zhangzhou C

12、ity, the relationship between consumption and economic growth, and analyze the constraints of Zhangzhou City, the consumer constraint on economic growth.On this basis, proposed incentives to expand consumption demand policy ideas: to improve rural income, distribution of income; promoting rapid econ

13、omic growth in rural areas, raise farm income, developing the rural market; improving the social security system, to create a good environment for consumption; the positive development of consumer credit, personal credit system to speed up; standardize the market order flow, the consumption environm

14、ent. Key words: Consumption;Economic growth;Zhangzhou City目 录中英文摘要（I） 引言（1）一、金融与经济增长的理论分析（1）（一）金融业的金融水平（1）（二）金融业的经济增长水平（2）（三）金融业的金融与经济增长的内涵（3）（四）金融业的金融与经济增长的一般关系（3）二、金融对经济增长的促进分析（8）（一）金融对经济增长的微观促进作用（9）（二）金融对经济增长的中观促进作用（9）（三）金融对经济增长的宏观促进作用（9）三、金融业现金居民金融现状及不足（9）（一）现金居民金融的总体情况（9）（二）现金居民金融差距扩大（10）四、扩大金融需求的鼓励性政策思路（11）（一）制定居民收入增长政策（11）（二）缩小收入分配差距（12）（三）完善社会保障体系（12）（四）大力发展金融信贷（12）参考文献