西南地区金融发展水平评价与比较研究

近年来，西南地区经济快速发展，金融业在经济发展中的地位也日益提升。从社会融资规模、金融业增加值占GDP比重、金融市场发展等方面分析西南地区金融发展态势，并从金融规模、金融结构和金融效率三个维度构建金融发展水平评价指标体系，采用因子分析法对2007—2015年西南六省区市金融发展水平进行综合评价和比较分析，结果表明：西南地区金融发展水平由金融规模相对重要向金融结构和金融效率相对重要变化，金融发展开始从重视规模扩张的粗放型增长模式向注重效率提升的集约式发展模式转变；西南地区区域内金融发展不均衡、差异明显，金融发展水平受制于经济基础条件。应建立金融与经济协调发展机制，注重金融效率的提高，加强区域金融发展的稳健性。

Review and Comparative Analysis of Financial Development in Southwest China

In recent years, the economy in southwest areas develops rapidly, the position of financial industry in economic development rises day by day. Financial development in southwest China has been analyzed in aspects of scale of social financing, the proportion of financial added value to GDP, financial market development. The evaluation index system of financial development has been established from three-dimension such as financial scale, financial structure and financial efficiency. Comparative analysis of the level of financial development of the five provinces and one municipality in southwest China has been achieved with factor analysis method on the cross section data during 2007-2015. The results reveal that the level of financial development in southwest China experiences the change from relative importance of financial scale to relative importance of financial structure and financial efficiency. The different level of financial development in the five provinces and one municipality in southwest China changes from the initial extensive-type growth by emphasizing scale expansion to the intensive-type growth by emphasizing efficiency promotion. The financial development in southwest China is not balanced and has obvious difference, and financial development level is restricted by economic basis and condition. The southwest China should set up the coordinated development mechanism between finance and economy, emphasize the promotion of financial efficiency, and intensify the stability of regional financial development.