西部地区县域金融发展问题：青海案例研究

厦门大学硕士学位论文西部地区县域金融发展问题：青海案例研究姓名：李诗源申请学位级别：硕士专业：金融学指导教师：黄国聪20050901ABSTRACTABSTRACTThepracticalexperiencefromhomeandabroadhasproventhat,highlyefficientfinancialactivitiescannotonlygiveanareaagoodarrangementofeconomicalresources,butalsoimprovethisarea’seconomicaldevelopment.Asourcountry’smarketreformgraduallygoesin-depth,thefinancestartstoaffecteconomyevidently.Undertheconditionofmarketeconomy,theexecutionoftheexploitationofthewestandthedevelopmentofthewesterncountiescannotavoidtheconnectionwithcountyfinance.However,fromthecurrentconditionoffinancialdevelopmentofthewesterncountieswecanseethat,theservingfunctionthatcountyfinancehasforeconomydeclinesstepwise.Theorganizationofcountyfinancelessensthecommitmenttothecreditandloanoftheeconomy,andthroughitsownsystem,distributesthecountycapitalthathaspreventedthedevelopmentofcountyeconomy.Therefore,studyingtheproblemsoffinancialdevelopmentinthewesterncountieshasimportantsignificancetodevelopingtheeconomyofthewesterncounties,narrowingthegapbetweenthewestandtheeast,andbuildingaharmonioussociety.Thisthesisbasesontheoreticalanalysis,formulatestheconnotationofthedevelopmentofcountyfinance,analysestheimportantimpactsthatthefinancialdevelopmenthasfortheeconomicaldevelopmentandthemechanismoftheirmutualeffects.Itconcludesthatcurrentimprovementoffinancialefficiencyandthemodeof“supply-leading”financialdevelopmentisthemaindirectionforthefinancialdevelopmentinthewesterncounties.Italsoproposestheideathatcountyfinanceandeconomyshoulddevelopmutually.Baseonthis,accordingtotheQinghaicase,andthroughtheillustrationandanalysisofthedevelopmentofQinghaicounties’financeandeconomy,itcanbefoundthattheeconomyandfinancecannotdevelopmutuallyandpositivelyisthemainproblemwhichthedevelopmentofthewesterncountiesisfacingnow.Besides,fromthecountyeconomy,thearrangementoffinancialsystemandtheexternalenvironment,thesethreefactors,thisthesismakesanin-depthanalysisaboutthereasonsofthisproblem.Intheend,itraisessomecounterplansandsuggestionswhichaimsatstronglydevelopingcountyeconomy,rebuildingcountyfinancialsystemandfoundingagoodexternalenvironmentofcreditpolicy.KeyWords:TheWesternRegion;CountyFinance;CaseResearch1211999[M]2005[EB/01][M]200431GDPGDP2003201210AJA6.5%J90.1%59290%600080%50029272.8075.78%GDP1.2755.42%63.54%43.10%%%GDPGDP%58.765.52.5131.249.444.935.11.087.48.356.829.41.0330.922.731.914.50.630.519.6[J]20043419971998200320022003200320045612371969[M]19948197320012004[M]1999[M]2003P76[M]200191[M]2004102capitalformation11Harroad-DomarGrowthmodelcsG/=GsccGsI=S10%10%low-levelequilibriumtrap[M]1979P315[M]1993[M]2001R[M]19661213H.T.Patrick1966demand-followingsupply-leading[M]1999142090Pagano1993AK90[J]2000215ttAKY=1A()tttKKI)1(1δ−−=+2StIt1-ttIS=θ31t+11/1/111−=−=+++tttttKKYYg423δθδ−=−=sAYIAg5sYSs/=As()As16[M]2002171871.7530002003533.842242.945.5%200132-12-12004[Z]200419116898.4390.2299.1%12.1%109057727721/10.9%148472.26371.9276510.95389.4232622.21817.4261943.31572.0232004200420038432472-2439200371713199.95%454.9585.23%80%294.8675.56%2004200420171464415416652143274200420042-3GDP6481GDP210002-411.8%55.3%32.9%62.4%21101347131896412218881222823302460212564162663810276194286111029447130356131193/[J]200412P15%390.2146.15184.26159.80727711.847.241.0144.849.4567.7567.6471096.546.846.783.033.5954.5724.83210474.365.730.057.3311.1921.5624.58371919.537.642.920.436.637.726.08502032.537.829.716.445.167.074.21768831.443.025.616.104.475.965.67603827.737.135.29.696.051.412.23360362.414.623.06.682.371.033.28482035.515.449.1200420041999200020032-520036199912757229923641045810393200317328174442219992000200349242622993924282570573366371910012738781065734085161067603813431234831430823706204365502012160060371284166292164448768844157343447533356866817482059573236466877226029689636034087251275753410014468830339210472000200120042000200120044325151058.14%2527414552.92%625772553.1%15%46%255820611433785[J]20053231199719982000200496602-120047749148.2230.13%132.5589.43%5124220012004GDP2-62-619%12.26%220043200113.920041.74/GDP/GDP2004GDP121244443231220202539443636342311232000200120022003200425%200120022003200431.136.440.044.0%/17.229.7710.1645.047.949.045.7%/6.432.31-6.571.451.321.231.04GDP44.050.157.366.8/GDP0.70620.72660.69730.6597/GDP1.02210.95480.85400.6853301.1396.4544.4607.5%-2.3431.6537.3411.59422.0430.4567.0621.9%14.211.9931.739.691.401.091.041.02GDP301.0341.1390.2465.7/GDP1.00051.16211.39511.3044/GDP1.40221.26181.45301.3353[J]200542-2200471%77%29%52%18%16%2-720012004200184%200477%20017%200416%26%12000200412.56%2001721189100849710020027411781008171210020037301891007791410020047111810100777161004%22%16%29%1%18%10%4%11%10%52%7%16%277.71%GDP4.85GDP200010.48%20043.08%20049200070.61%20002.70%20046.85%2-82000200320005.78200315.559.7721.3%38.61%[J]2005128%20002001200220035.787.8410.4215.553.585.287.7612.342.202.562.663.21%21.324.4127.9338.61[J]200521490.522532966%245314560%44%62514287758%53%30.33%21.132003134.8045.7525.3%312004842000127[