我国金融从业人员学历结构及供求状况研究

Financial Staff Educational Background and Demand& Supply in China: an Empirical Research

金融业从业人员是金融业发展中的首要因素。本文以全国31省市2008年的调查数据进行实证研究发现,研究生以上学历的金融从业人员在金融业中的配置已经过剩,对GDP的边际贡献已递减为负,大专从业人员也在金融业内出现了过剩,对人均GDP与金融业增加值的边际贡献也已递减为负,将这类人群转移到其他行业,将促进金融业与GDP的增长。而本科学历的金融从业人员却对GDP、人均GDP和金融业增加值均表现出正显著影响,表明目前金融业对本科生的需求是科学、合理的,而且还有扩大需求的必要。因此应加大本科学历人员的配置力度,使人才结构更加合理,发挥人才的最大化价值。

Financial staff is the most important factor in financial industry development. Based on the investigation data of 31 provinces in China, this paper finds that the amount of postgraduate degree staff in financial industry are excessive, and its margin contribution to GDP have decreased to negative. And the amount of Junior college staff are also excessive, it also have negative effects on the margins of GDP per capita and financial industry value added. But the amount of bachelor degree staff have positive effects on the margins of GDP, GDP per capita, and financial industry value added,which shows that the financial industry have a reasonable and increasing demand on bachelor degree staff members. Therefore, financial institutions should recruit more bachelor degree staff members, better their staff structure and maximize talents ＇ value.