储蓄投资金融转化机制与区域经济增长研究-金融学专业论文.docxVIP

摘要 从经济增长的角度看，金融直接作用于资本积累过程及其配置过程。从资 本积累过程看，金融一端连接着储蓄过程，一端连接着投资过程。金融作为沟 通储蓄和投资的渠道，发挥着动员和分配储蓄、引导投资的作用，因而金融过 程影响着储蓄投资流量和资源配置效率，进而影响经济增长和发展。 从理论上看,金融体系是实现经济运行中储蓄投资金融转化的制度安排。金 融体系由金融机构,金融市场以及金融资产等构成。促进储蓄和投资的金融转化, 即金融市场的资本形成功能。 为了应对全球金融危机的冲击，维持经济持续平稳的增长，完善储蓄投资 转化机制，金融体系功能的完善显得尤为重要。金融体系是储蓄向投资金融转 化的中介，储蓄向投资金融转化是通过金融体系来完成的。现代金融体系有五 个构成要素：分别是由货币制度所规范的货币流通、金融机构、金融市场、金 融工具、制度和调控机制。本文取金融体系的支柱和主体—金融机构（以银行 金融机构为主）和资本市场为金融功能分析的对象，主要分析银行与资本市场 的储蓄向投资转化功能及完善。以金融发展理论、金融与经济关系理论、区域 金融理论为理论基础和前提，并将山西地区的情况加以分析。旨在强调通过完 善金融体系的储蓄投资转化功能，使金融机构和金融市场的资源配置效率得以 改进，从而促进区域经济增长。 【关键词】储蓄和投资的转化 金融体系 金融机构 金融市场 Abstract From the perspective of economic growth, finance makes a direct effect on capital accumulation process and its configuration process. Read from the capital accumulation process, the finance connects the process of savings one end, and one end of the investment process. As a potential channel for savings and investment, finance plays a role of mobilizing and allocating savings to guide them into investment, thus Financial processes has affect on the saving- investment flows and resource allocation efficiency, thereby on economic growth and development. In theory, the financial system is the institutional arrangements to change savings into investment in the economy . The financial system consists of financial institutions, financial markets and financial assets, promoting the conversion of savings and investment, namely, financial markets’ capital formation function. In order to cope with the impact of the global financial crisis and maintain sustained and balanced economic growth, and to improve the transformation of savings into investment, the financial system is particularly important to improve the function of. The financial system is the intermediary of making the savings into investment, the savings are changed into investment by the financial system. A modern financial system has five elements: namely money circulation standard by the currency system, financial instituti