中国西部地区金融发展支持经济增长的实证研究

Empirical Study on the Supportive Role of Financial Development in Economic Growth in China's Western Region

文章从金融资产结构的角度（包括银行贷款、保险资产以及股票等）对西部地区1985~2010年的金融发展与经济增长的关系进行了实证研究,结论表明：保险市场对经济增长的推动作用不显著;股票市场对西部地区经济的贡献率仅为0.0834;银行贷款显著地促进了西部地区的经济增长,其中短期贷款的贡献最大;从贷款投向来看,工业贷款贡献率最大,其次是农业贷款,最后是第三产业贷款。结合本文实证结论,提出了优化和改善西部地区银行体系的信贷结构、继续增加对西部地区农业的有效资金投入、通过加大对第三产业授信规模来提高第三产业在国民经济中的比重、同时提高第三产业就业吸纳力等政策建议。

From the perspective of financial asset structure（bank loan,insurance assets and stock）,the empirical study on the relation between financial development and economic growth of western region has been made in this paper based on the data of China’s western region collected from 1985 to 2010.The conclusion demonstrates that the insurance market does not play a significant role in promoting economic growth;the contribution rate of stock market to the economy of western region is only 0.0834;the bank loan plays a significant role in boosting the provincial economic growth in western region,among which short-term loan contributes the most.In the last part,the corresponding policy proposals are offered by integrating with the empirical conclusion of the paper.