CAJ | 학술논문

文章以金融业固定资产投资和金融从业人数为投入变量、存款为中间变量、贷款和金融业增加值为产出变量, 运用共享投入关联两阶段数据包络分析(DEA)模型对我国31个省市的金融效率进行了实证研究. 结果显示, 我国金融效率不仅整体水平偏低, 而且金融效率改善缓慢. 此外, 通过对我国金融效率与经济增长关系的检验, 文章研究发现金融效率改善具有促进经济增长的作用, 并呈现出一定的区域差异性. 在经济发达地区, 金融效率改善对经济增长的促进作用相对较强; 而在经济落后地区, 金融效率改善对经济增长的促进作用相对较弱. 据此, 得到了不同区域金融效率促进经济增长强度异同的内在因素. 文章的研究结果对相关研究具有一定的借鉴和参考价值.
문장이금융업고정자산투자화금융종업인수위투입변량、 존관위중간변량、 대관화금융업증가치위산출변량, 운용공향투입관련량계단수거포락분석(DEA)모형대아국31개성시적금융효솔진행료실증연구. 결과현시, 아국금융효솔불부정체수평편저, 이차금융효솔개선완만. 차외, 통과대아국금융효솔여경제증장관계적검험, 문장연구발현금융효솔개선구유촉진경제증장적작용, 병정현출일정적구역차이성. 재경제발체지구, 금융효솔개선대경제증장적촉진작용상대교강; 이재경제락후지구, 금융효솔개선대경제증장적촉진작용상대교약. 거차, 득도료불동구역금융효솔촉진경제증장강도이동적내재인소. 문장적연구결과대상관연구구유일정적차감화삼고개치.
With employing fixed capital investment and financial worker as input variables, savings as a immediate variable, loan and product of finance as output variables, the financial efficiencies of 31 provinces in China were empirically investigated by utilizing the model of input sharing relational two-stage DEA in this paper. The results demonstrated that the domestic financial efficiencies are not only low but also improved slowly. Additionally, the relationship between efficiency of financial system and economic growth was verified, and it results showed that the improvement of efficiency of financial system can significantly promotes economic growth, even it showed the characteristics of regional dependent effect. Briefly, in economically developed areas, the role of financial efficiency on the economy is effective. And in developing regions, this performance is relatively getting weaker. Finally, the internal factors, that financial efficiency promotes economic growth in different area,were obtained.The results of the study provided certain reference for the relevant study.