厦门市金融发展与经济增长关系的实证分析

选取厦门市金融机构存、贷款余额与当年GDP的比率来衡量厦门市的金融发展水平，采用1990～2005年的相关数据进行回归分析以及格兰杰-西姆斯因果检验。实证分析结论为：厦门市金融发展与经济增长呈现强相关关系、厦门市金融机构存款和贷款余额对经济发展的推动作用存在滞后问题。最后，从制定厦门市中长期金融发展规划、高级金融人才的培养引进、扩大直接融资比例、创建良好金融生态环境、积极探索对台金融合作等五个方面提出加快厦门市金融发展的建议。

An Empirical Study on Xiamen's Financial Development and Economic Growth

The thesis takes the ratio between the savings and loan balance of the financial institutions of Xiamen and the GDP of the same year respectively to measure the development of Xiamen's financial industry. It utilized the data from 1990-2005 on a regression analysis and Granger causality tests on respective ratios. Empirical evidences conclude that:the level of development of Xiamen's finance industry is strongly correlated with the economic development.The amount of savings and loan at financial institutions has a propelling but lagging effect on the economic development.Finally,the thesis gave suggestions for accelerating Xiamen's fi- nancial industry development from five aspects:setting medium and long term financial development plan,at- tracting and nurturing financial talents,increasing the percentage of direct investment,creating a favorable en- vironment for financial industry,and pushing financial cooperation with Taiwan.