河北省区域金融发展差异研究
摘要
金融是现代经济运行的核心,经济发展离不开金融的支持和推动。自改革开放以来,我国各地区经济都得到了快速发展,但区域经济差异也不断扩大。我国各地区经济发展之所以会呈现出较大差异,区域金融发展差异在区域经济发展中的作用不可忽视。由于我国地域辽阔,资源分布极为不均衡,因此区域金融发展差异不仅存在于东部、中部以及西部三大区域之间和各省域之间,而且省内这种差异也很普遍。本文综合运用区域经济学、金融学以及金融地理学等研究方法,对河北省区域金融发展差异的现状、变动趋势以及差异产生的影响因素进行实证分析。
首先,本文构建了一个河北省区域金融的综合性发展指标,运用因子分析法对河北省区域金融发展差异进行测量,揭示出河北省11个地区间金融发展差距。并在此基础上,运用聚类分析法对河北省区域金融发展差异进行区域划分,划分成三大集团。
其次,本文利用泰尔指数的可加分解性,对河北省区域金融发展差异的变动特征进行了实证分析,结果显示：2000-2009年,河北省集团区域内金融发展差异不断缩小,而三大集团间金融发展差异不断扩大,三大集团间差异的扩大导致河北省区域金融发展差异扩大。同时,本文还利用σ以及β检验法对河北省区域金融发展差异的收敛性进行检验,得出河北省区域金融发展不存在σ收敛,但河北省区域金融发展存在β收敛。
再次,本文从区域经济发展差异、政策因素以及自然地理因素论证了影响河北省区域金融发展差异的影响因素。其中,区域经济发展差异主要包括经济总量、经济结构等方面；政策因素主要是指地方政府对地方金融发展的影响；自然地理因素主要包括区位条件、自然资源禀赋以及自然条件等方面的差异。
最后,本文认为促进区域金融发展差异的协调发展建议有：建立多层次的金融市场体系、培育区域金融发展增长极、促进城乡金融之间协调发展、加强信用环境建设以及促进与相邻区域间金融合作。
The finance as the core of modern economy movement, economic development cannot leave its support and impetus. Since the reform and open policy, various regional economy of our country have obtained rapid development, but the regional economies difference also unceasingly expands. The reason that our country various regional economic development present the big difference, the function of regional finance development difference is noticeable in the regional economies development. As a result of our country vast in territory, the resources distribution is extremely imbalanced, therefore the region finance development difference not only exists in the eastern part, middle as well as between the western three wide ranges and between various provinces territory, moreover in the province this kind of difference is also very common. This article synthesis utilizes the regional economics, finance, financial geography research techniques and so on, to analyse positively the present situation, change tendency of Hebei Province finance development difference's and influencing factor by the difference.
First, this article has constructed a comprehensive development target of Hebei Province region finance, carries on the survey using the factor analytic method to the Hebei Province region finance development difference, promulgates the Hebei Province 11 regional finance development disparity. And based on this, carries on the regionalism and divides three big groups using the cluster analytic method to the Hebei Province region finance development difference.
Next, this article uses decomposability of the Theil index, has carried on the empirical analysis to the Hebei Province region finance development difference's change characteristic, finally demonstrated:2000-2009 years, in the Hebei Province group region the financial development difference reduces unceasingly, but among three big groups the financial development difference expands unceasingly, the difference expansion causes the Hebei Province region finance development difference expansion. At the same time, this article also uses theσ-convergence test andβ-convergence test method carries on the examination to the Hebei Province region finance development difference astringency, obtains the Hebei Province region finance development not to haveσrestraining, but hasβrestraining.
Once more, from the regional economies development difference, the policy factor as well as the physical geography factor, this article proved the influencing factor of the Hebei Province region finance development difference. And, the regional economies development difference mainly includes economic output, economic structure and so on; The policy factor is mainly refers to the influence of the Local authority to the place finance development; The physical geography factor mainly includes position condition, natural resource talent as well as natural condition differences and so on.
Finally, this article thought that suggestion to promote the region finance development difference coordinated development include:Establishes the multi-level money market system, to cultivate the region finance development growing, promotes the coordinated development between the city and countryside finance, strengthens the credit environmental construction as well as the promotion and the neighboring regional financial cooperation extremely.
首先,本文构建了一个河北省区域金融的综合性发展指标,运用因子分析法对河北省区域金融发展差异进行测量,揭示出河北省11个地区间金融发展差距。并在此基础上,运用聚类分析法对河北省区域金融发展差异进行区域划分,划分成三大集团。
其次,本文利用泰尔指数的可加分解性,对河北省区域金融发展差异的变动特征进行了实证分析,结果显示：2000-2009年,河北省集团区域内金融发展差异不断缩小,而三大集团间金融发展差异不断扩大,三大集团间差异的扩大导致河北省区域金融发展差异扩大。同时,本文还利用σ以及β检验法对河北省区域金融发展差异的收敛性进行检验,得出河北省区域金融发展不存在σ收敛,但河北省区域金融发展存在β收敛。
再次,本文从区域经济发展差异、政策因素以及自然地理因素论证了影响河北省区域金融发展差异的影响因素。其中,区域经济发展差异主要包括经济总量、经济结构等方面；政策因素主要是指地方政府对地方金融发展的影响；自然地理因素主要包括区位条件、自然资源禀赋以及自然条件等方面的差异。
最后,本文认为促进区域金融发展差异的协调发展建议有：建立多层次的金融市场体系、培育区域金融发展增长极、促进城乡金融之间协调发展、加强信用环境建设以及促进与相邻区域间金融合作。
The finance as the core of modern economy movement, economic development cannot leave its support and impetus. Since the reform and open policy, various regional economy of our country have obtained rapid development, but the regional economies difference also unceasingly expands. The reason that our country various regional economic development present the big difference, the function of regional finance development difference is noticeable in the regional economies development. As a result of our country vast in territory, the resources distribution is extremely imbalanced, therefore the region finance development difference not only exists in the eastern part, middle as well as between the western three wide ranges and between various provinces territory, moreover in the province this kind of difference is also very common. This article synthesis utilizes the regional economics, finance, financial geography research techniques and so on, to analyse positively the present situation, change tendency of Hebei Province finance development difference's and influencing factor by the difference.
First, this article has constructed a comprehensive development target of Hebei Province region finance, carries on the survey using the factor analytic method to the Hebei Province region finance development difference, promulgates the Hebei Province 11 regional finance development disparity. And based on this, carries on the regionalism and divides three big groups using the cluster analytic method to the Hebei Province region finance development difference.
Next, this article uses decomposability of the Theil index, has carried on the empirical analysis to the Hebei Province region finance development difference's change characteristic, finally demonstrated:2000-2009 years, in the Hebei Province group region the financial development difference reduces unceasingly, but among three big groups the financial development difference expands unceasingly, the difference expansion causes the Hebei Province region finance development difference expansion. At the same time, this article also uses theσ-convergence test andβ-convergence test method carries on the examination to the Hebei Province region finance development difference astringency, obtains the Hebei Province region finance development not to haveσrestraining, but hasβrestraining.
Once more, from the regional economies development difference, the policy factor as well as the physical geography factor, this article proved the influencing factor of the Hebei Province region finance development difference. And, the regional economies development difference mainly includes economic output, economic structure and so on; The policy factor is mainly refers to the influence of the Local authority to the place finance development; The physical geography factor mainly includes position condition, natural resource talent as well as natural condition differences and so on.
Finally, this article thought that suggestion to promote the region finance development difference coordinated development include:Establishes the multi-level money market system, to cultivate the region finance development growing, promotes the coordinated development between the city and countryside finance, strengthens the credit environmental construction as well as the promotion and the neighboring regional financial cooperation extremely.
引文
②何晓群：《现代统计分析方法与应用》,中国人民大学出版社,2007年5月
③石风光,杨文举经济增长收敛的计量研究评述：经济问题2008年第9期
6王景武《中国区域金融发展与政府行为：理论与实证》中国金融出版社
[1]张军洲：《中国区域金融分析》[M],中国经济出版社,1995.
[2]Goldsmith. Financial Structure and Development [M].New Haven:Yale University Press,1969:167-168.
[3]McKinnon R. I. Money and Capital in Economic Development [M]. Washington DC:The Brookings Institution,1973:45-47.
[4]Show, E.S., Financial deepening in Economic growth[M], New York:Oxford University Press,1973.
[5]秦国楼：《现代金融中介论》[M].北京：中国金融出版社,2002年版.
[6]Greenwood, Jeremy and Boyan Jovanovic,1990, Financial development, growth and the distribution of income, Journal of Political Economy,98,1076-1107.
[7]Levine, Ross,2005, Finance and growth:theory and evidence, NBER Working Paper No.10766.
[8]LaPorta, R.Lopez-de-Silanes, F.Shleifer, A.Vishny, R.W., 1998.Lawandfinance.JournalofPoliticalEconomy106,1113-1155.
[9]林光平,龙志和,吴梅.中国地区经济6-收敛的空间计量实证分析[J]，数量经济技术经济研究,2006第06期.
[10]郝寿义,安虎森.《区域经济学》[M].经济科学出版社,2004.
[11]藤田昌久,雅克-弗朗科斯·蒂斯.《集聚经济学》[M].西南财经大学出版社,2004.
[12]杨云彦.《区域经济学》[M].中南财经政法大学出版,2003.
[13]谢文蕙、邓卫：《城市经济学》,清华大学出版社1996年版。
[14]Katherine A. Samolyk,1989, "The role of banks in influencing regional flows of funds", Working Paper 8914, Federal Reserve Bank of Cleveland.
[15]Katherine A. Samolyk,1991, "A regional perspective on the credit view", Economic Review, Federal Reserve Bank of Cleveland, issue Q Ⅱ,27-38.
[16]朱建芳.区域金融发展差异：理论与实证分析[M].经济科学出版社,2008.
[17]Rodriguez-fuentes.C.J.1998, "Credit Availability and Regional Development", Papers in Regional Science, v.77,1,.63-75.
[18]Kellee S. Tsai,2005, "Imperfect Substitutes:The Local Political Economy of Informal Finance and Micro finance in Rural China and India", World Development, (9): 1487-1507.
[19]Miller, R.J.1978, "The regional impact of the monetary policy in the United States", Lexington Books, Lexington, MA.
[20]Fishkind, H.H.1977, "The regional impact of monetary policy:an economic simulation study of Indiana(1958-1973)", Journal of Regional Science,17,77-88.
[21]李敬中国区域金融发展差异研究——基于劳动分工理论的视角中国经济出版社2008,9-12.
[22]张杰.经济的区域差异与金融成长[J].经济研究,1994.
[23]李国疆.区域金融差异及其对西部地区国有商业银行的影响[J].云南财贸学报,2000,第5期.
[24]崔光庆,王景武中国区域金融差异与政府行为：理论与经验解释[J].金融研究,2006,第6期.
[25]周立,胡鞍钢.中国金融发展的地区差距状况[J].清华大学学报,2002,第2期.
[26]伍海华.金融区域二元结构及发展对策[J]经济理论与经济管理,2002,第8期.
[27]金雪军,田霖.金融地理学视角下区域金融成长差异的案例研究[J].2004,第31卷,第2期.
[28]罗望,胡国文,何乐,秦丽.金融资源区域配置的失衡性探析[J]西南金融,2004第6期.
[29]王景武.加强京津冀金融合作构建环渤海区域金融体系[J]区域经济,2006.
[30]陆文喜,李国平.中国区域金融发展的收剑性分析[J].数量经济技术经济研究,2004,(2)：125-128.
[31]赵伟,马瑞永.中国区域金融发展的收敛性、成因及政策建议[J].中国软科学,2006,第2期.
[32]王进诚.山东省东西部金融差异比较研究[J].山东经济战略研究,1997年第4期.
[33]李浩然,贾莹.河北省区域差异化农村金融服务探讨[J].河北金融,2009年第4期.
[34]爱德华.肖.金融发展中的金融深化[M].邵伏军,译.上海：上海三联书社,1988.
[35]雷蒙德.W.哥德史密斯.金融机构与金融发展[M].周朔,译.上海：上海三联书社,1990.
[36]高铁梅.计量经济分析方法与建模[M].北京清华大学出版社,2006.
[37]王景武.中国区域金融发展与政府行为[M].中国金融出版社,2007.
[38]王修华.我国区域金融发展差异的比较[J].经济地理,2007,第27卷第2期.
[39]刘仁伍.区域金融结构和金融发展：理论与实证研究[M].北京：经济管理出版社,2003：152-168.
[40]伍艳,余兼胜.中国农村金融的区域差异性研究[J].农村经济,2009,第1期.
[41]刘敏楼,宗颖.中国农村金融发展的现状及地区差异——基于机构信贷的视角[J].经济经纬,2008,第3期.
[42]李敬,冉光和,孙晓铎.中国区域金融发展差异的度量与变动趋势分析[J].当代财经,2008,第3期.
[43]金雪军,田霖.我国区域金融成长差异的态势[J].经济理论与经济管理,2004,第8期.
[44]潘英丽.论金融中心形成的微观基础——金融机构的空间聚集[J].上海财经大学学报,2005年5月第1期.
[45]潘文卿,张伟.中国资本配置效率与金融发展相关性研究[J].管理世界,2003(8).
③石风光,杨文举经济增长收敛的计量研究评述：经济问题2008年第9期
6王景武《中国区域金融发展与政府行为：理论与实证》中国金融出版社
[1]张军洲：《中国区域金融分析》[M],中国经济出版社,1995.
[2]Goldsmith. Financial Structure and Development [M].New Haven:Yale University Press,1969:167-168.
[3]McKinnon R. I. Money and Capital in Economic Development [M]. Washington DC:The Brookings Institution,1973:45-47.
[4]Show, E.S., Financial deepening in Economic growth[M], New York:Oxford University Press,1973.
[5]秦国楼：《现代金融中介论》[M].北京：中国金融出版社,2002年版.
[6]Greenwood, Jeremy and Boyan Jovanovic,1990, Financial development, growth and the distribution of income, Journal of Political Economy,98,1076-1107.
[7]Levine, Ross,2005, Finance and growth:theory and evidence, NBER Working Paper No.10766.
[8]LaPorta, R.Lopez-de-Silanes, F.Shleifer, A.Vishny, R.W., 1998.Lawandfinance.JournalofPoliticalEconomy106,1113-1155.
[9]林光平,龙志和,吴梅.中国地区经济6-收敛的空间计量实证分析[J]，数量经济技术经济研究,2006第06期.
[10]郝寿义,安虎森.《区域经济学》[M].经济科学出版社,2004.
[11]藤田昌久,雅克-弗朗科斯·蒂斯.《集聚经济学》[M].西南财经大学出版社,2004.
[12]杨云彦.《区域经济学》[M].中南财经政法大学出版,2003.
[13]谢文蕙、邓卫：《城市经济学》,清华大学出版社1996年版。
[14]Katherine A. Samolyk,1989, "The role of banks in influencing regional flows of funds", Working Paper 8914, Federal Reserve Bank of Cleveland.
[15]Katherine A. Samolyk,1991, "A regional perspective on the credit view", Economic Review, Federal Reserve Bank of Cleveland, issue Q Ⅱ,27-38.
[16]朱建芳.区域金融发展差异：理论与实证分析[M].经济科学出版社,2008.
[17]Rodriguez-fuentes.C.J.1998, "Credit Availability and Regional Development", Papers in Regional Science, v.77,1,.63-75.
[18]Kellee S. Tsai,2005, "Imperfect Substitutes:The Local Political Economy of Informal Finance and Micro finance in Rural China and India", World Development, (9): 1487-1507.
[19]Miller, R.J.1978, "The regional impact of the monetary policy in the United States", Lexington Books, Lexington, MA.
[20]Fishkind, H.H.1977, "The regional impact of monetary policy:an economic simulation study of Indiana(1958-1973)", Journal of Regional Science,17,77-88.
[21]李敬中国区域金融发展差异研究——基于劳动分工理论的视角中国经济出版社2008,9-12.
[22]张杰.经济的区域差异与金融成长[J].经济研究,1994.
[23]李国疆.区域金融差异及其对西部地区国有商业银行的影响[J].云南财贸学报,2000,第5期.
[24]崔光庆,王景武中国区域金融差异与政府行为：理论与经验解释[J].金融研究,2006,第6期.
[25]周立,胡鞍钢.中国金融发展的地区差距状况[J].清华大学学报,2002,第2期.
[26]伍海华.金融区域二元结构及发展对策[J]经济理论与经济管理,2002,第8期.
[27]金雪军,田霖.金融地理学视角下区域金融成长差异的案例研究[J].2004,第31卷,第2期.
[28]罗望,胡国文,何乐,秦丽.金融资源区域配置的失衡性探析[J]西南金融,2004第6期.
[29]王景武.加强京津冀金融合作构建环渤海区域金融体系[J]区域经济,2006.
[30]陆文喜,李国平.中国区域金融发展的收剑性分析[J].数量经济技术经济研究,2004,(2)：125-128.
[31]赵伟,马瑞永.中国区域金融发展的收敛性、成因及政策建议[J].中国软科学,2006,第2期.
[32]王进诚.山东省东西部金融差异比较研究[J].山东经济战略研究,1997年第4期.
[33]李浩然,贾莹.河北省区域差异化农村金融服务探讨[J].河北金融,2009年第4期.
[34]爱德华.肖.金融发展中的金融深化[M].邵伏军,译.上海：上海三联书社,1988.
[35]雷蒙德.W.哥德史密斯.金融机构与金融发展[M].周朔,译.上海：上海三联书社,1990.
[36]高铁梅.计量经济分析方法与建模[M].北京清华大学出版社,2006.
[37]王景武.中国区域金融发展与政府行为[M].中国金融出版社,2007.
[38]王修华.我国区域金融发展差异的比较[J].经济地理,2007,第27卷第2期.
[39]刘仁伍.区域金融结构和金融发展：理论与实证研究[M].北京：经济管理出版社,2003：152-168.
[40]伍艳,余兼胜.中国农村金融的区域差异性研究[J].农村经济,2009,第1期.
[41]刘敏楼,宗颖.中国农村金融发展的现状及地区差异——基于机构信贷的视角[J].经济经纬,2008,第3期.
[42]李敬,冉光和,孙晓铎.中国区域金融发展差异的度量与变动趋势分析[J].当代财经,2008,第3期.
[43]金雪军,田霖.我国区域金融成长差异的态势[J].经济理论与经济管理,2004,第8期.
[44]潘英丽.论金融中心形成的微观基础——金融机构的空间聚集[J].上海财经大学学报,2005年5月第1期.
[45]潘文卿,张伟.中国资本配置效率与金融发展相关性研究[J].管理世界,2003(8).