演化视角下的区域金融成长度差异  

Viewing the Variance of Regional Financial Development from the Perspective of Evolution

作　　者：金雪军[1] 田霖[1] 章华[1] 

机构地区：[1]浙江大学经济学院,浙江杭州310027

出　　处：《金融理论与实践》2004年第5期9-11,共3页Financial Theory and Practice

摘　　要：从演化的角度分析,区域金融成长度存在差异的原因各有不同。通过对山西票号的案例研究,得出其金融成长度低下的重要原因之一是由于金融人格的缺乏而未能形成自强化机制所致。认为金融创新与金融人格具有双向互促共进关系,中西部金融内生状态成长的关键是塑造独立的金融人格,促进自发性创新;在学习性创新中,要对模仿过程中的反学习现象加以防范。From the perspective of evolution, there are different causes for the variance of regional financial development. This paper, on the basis of a case study of Shanxi Money Exchange Shop, concludes that one of the major causes for the low financial development is the lack of a self-reinforcing mechanism arising from the deficiency in financial personality. According to the author, financial innovation and financial personality are closely integrated, featuring a mutual promoting relationship. The key to the internal-generating growth of the Central-Western regional finance is to mould independent financial personality so that a spontaneous innovation can be made.

关 键 词：区域金融 金融创新 金融人格 金融结构 金融主体 金融资产 

分 类 号：F832.7[经济管理—金融学]