陕西省银行业发展与经济增长关系的理论和实证分析

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1、Subject：ThetheoreticalandempiricalstudyontheRelationshipbetweenBankingDevelopmentandEconomicGrowthofShaanxiProvinceSpecialty：IndustryEconomyName：ZhengDeyin(Signature)Instructor：YuanXianping(Signature)ABSTRACTTherearenumerousresearchesontherelationshipb

2、etweenfinancialdevelopmentandeconomicgrowthsincethebirthoffinancialdevelopmenttheory.However,duetodifferenteconomicandfinancialdevelopmentlevelindifferentcountriesandregions,therearesignificantdifferencesintheacademicresearchontherelationshipbetweenthe

3、two.AndChinaisacountrywithitsbankintheholdswayofthesystemoffinancial.Therefore,ithasanimportanttheoreticalandpracticalsignificancetostudytherelationshipbetweenbanksandregionaleconomicgrowthtotheaspectofprovinciallevel.ThispapertakesShaanxiProvinceasthe

4、researchobjectbytheoreticalandempiricalanalysis.First,thetheoryofdomesticandforeignexistingeconomicgrowthandfinancialdevelopmentwillbeintroduced.Then,theanalysisoftherelationshipbetweendomesticandforeignbankingdevelopmentandeconomicgrowthwillbemade.The

5、methodofdescriptivestatisticalanalysiswillbeusedtoanalysisShaanxieconomyandthebankingsectordevelopmentandalsotherelationshipbetweenthetwofrom1990to2012.Afterthat,theunitroottest,cointegrationtestandothereconometricmethodswillbemadetodotheempiricalstudy

6、ofeconomicgrowthinShaanxiprovinceandalsowiththehelpofCobbDouglasproductionfunction.Themainconclusionsareasfollows:（1）Shaanxi’stotaleconomicoutputincreasesconsiderablyandgrowsrapidly;theproportionofprimaryindustrydecreased,thesecondaryindustryratioincre

7、asedafterthefirstdrop,andtheabsolutequantityofthetertiaryindustryisincreasingyearbyyear;consumptionandnetexportcontributionratetoeconomicgrowthislow,investmenthasgreatlypromotedtheeconomicgrowthofShaanxi.（2）Shaanxibanksizeincreased,itsdegreeofconcentra

8、tiondecreased,butsomeproblemsareexistingsuchasthelowconversionefficiencyofsavingstoinvestmentandnotenoughsupporttosmallandmedium-sizedenterprisesandthenon-publicenterprisesevenifbankcreditisenough.（3）Fromthesizeofcredit,thetransformatio