| 田光宁.中国银行、证券、保险三业办调发展度模型检验：1978-2010[J].井冈山大学社科版,2012,(4):71-80 |
| 中国银行、证券、保险三业办调发展度模型检验：1978-2010 |
| Inner-coordination Development of China's Financial Industry: 1978 to 2010 |
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| DOI： |
| 中文关键词: 银行业 证券业 保险业 发展指数 协调发展度 |
| 英文关键词: banking industry securities industry insurance industry development index coordinative development factor |
| 基金项目:国家统计局第二次全国经济普查数据开发应用项目 |
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| 中文摘要: |
| 金融业由银行业、证券业与保险业构成，金融三业的发展水平，决定着一国的金融产业结构。金融三业发展是否协调决定着金融运行的效率。文章在选定金融三业发展的21个指标基础上，采用因子分析模型合成银行业、证券业与保险业发展指数，并以1978-2010年金融三业发展指数为变量，构建了三者之间的协调度与协调发展度模型，以此评判中国金融三业发展的协调程度。研究结果发现，在观察期的33年中，金融三业发展有3年轻度失调，22年为中度协调，8年为良好协调；有28年是银行业驱动协调发展的模式，有5年是证券业驱动协调发展的模式，而保险业始终处于被拉动发展的地位。中国的金融三业结构进一步调整与发展的基本方向是优化银行业主体构成，稳定证券业发展速度，提升保险业发展水平。 |
| 英文摘要: |
| The developing level of banking,securities and insurance industries determines the financial industry structure of a country.Coordination of the three industries decides the efficiency of financial operation.In this paper,21 development indicators of banking,securities and insurance industries are selected to build development indexes for the three industries based on the factor analysis mode.With the indexes between 1978 and 2010 as the variables,a model for coordination factor and coordinative development factor is constructed to judge the coordinative development level among the financial three industries.The empirical result shows that among the 33 years under observation,3 years falls into mildly uncoordinated period,22 years into moderately coordinated period and 8 years into well coordinated period.Additionally,28 years belongs to a banking-sector-driven coordinative development pattern,5 years to securities-industry-driven coordinative development pattern,and the insurance industry remains in position of driven development.To further restructure and develop the financial industries of China,it is imperative basically to optimize the banking structure,stabilize securities industry growth rate,and improve the insurance industry development level. |
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