金融业对经济发展的影响分析.pdf

摘 要

金融业的迅速发展对中国的经济增长起到十分重要的作用，而金融
业在与传统房地产业相结合而衍生出来的大量金融衍生品却成为次贷危
机发生的动因。本文主要研究目的是通过对金融业发展和现状的分析，
来探讨其对经济发展的影响，从而为如何促进中国经济发展健康有序的
进行提供思路。在论述过程中，采用了数量分析法、文献分析法和个案
研究法。首先，通过研究金融业对经济发展问题的利与弊着手，结合次
贷危机全过程的分析，提出“新时代背景下需要新的经济理论来支撑”
的观点。进而，通过对中国金融业和房地产业发展近况的研究和分析，
创造性地提出两者结合的产物——“‘房贷’是促使大量房地产泡沫产生
的根源”的论断。最后，针对金融业存在的风险，提出淡化“拜金主义”，
认清金融本质；加强金融监管,抑制过度投机；采用适当合理的经济杠杆；
树立正确的消费观念，限制“明天的钱”的涌入;规范金融创新，为实体
经济发展服务等措施来应对和化解金融风险的方案。

关键词：金融；经济发展；次贷危机





I
Abstract

The rapid development of the financial sector plays a very important role in China's
economic growth, and a large number of financial derivatives derived by the financial
industry in combination with traditional real estate had become the motivation of the
subprime mortgage crisis. The main purpose of this paper is to explore its impact on
economic development, through the analysis of the development and current status of the
financial sector, so as to provide ideas for how to promote the healthy and orderly conduct
of China's economic development. During the process of discuss, Quantitative analysis
method, Literature analysis and Case study method were used. First, beginning with the
study of the pros and cons of the financial sector to economic development issues,
combined with the analysis of the whole process of the subprime mortgage crisis, this
paper put forward the point of view that "a new era requires a new economic theory to
support". Furthermore, through the research and analysis of China's financial industry and
real estate development in recent years, creatively propose that the combination of both
front--- "'mortgage' is the root to prompt the large number of real estate bubble" thesis.
Finally, the risks in the financial industry, it is proposed to dilute the "money worship" and