近年来，随着中国经济迅速发展，京津冀地区金融协同的作用日益显现，成 为了继长三角与珠三角地区之后又一个迅猛腾飞的经济区。2013年，习近 平主席 将京津冀金融协同发展上升到国家重要战略发展高度，明确了京津冀区域金融协 同对于重建首都经济圈、区域经济的增长、激发金融体制机制的改革创新有重要 意义。京 津冀金融协同发展需要三个地区加强经济合作，实现经济一体化使得要 素在跨区域间自由的流动，通过区域资源的合理配置及聚集功能，实现区域经济 的长远发展。 然而，京津 冀金融业协同水平处于起步阶段，阻碍金融业协同的问题因素有 很多，区域资本要素无法跨区域流通，信息共享机制不健全，行政壁垒的存在不 利于区域内部的协调组织，各区 域各自为政的金融体制也对金融市场架构带来了 阻碍。对于上述存在的问题，京津冀要提升彼此的合作意识，在相互竞争的环境 中实现共赢。在京津冀区域金融协同进程缓慢且 协同程度较低的大背景下，对于 京津冀地区协同发展的呼声和需求也日益升高，本文在比较京津冀三地的金融协 同现状、金融业发展指数等分析了京津冀区域内金融的发展情况 ，并且先是从狭 义金融范畴利用储蓄－投资模型，对京津冀地区的银行业协同进程进行实证分析， 以及再从广义金融范畴，基于耦合理论建立的京津冀金融业发展协同度模型， 更 加深入剖析京津冀区域金融业协同程度。 通过实证分析得出银行业协同水平较低的原因主要是受到经济周期和财政政 策的影响，反映出京津冀区域银行业协同程度有进一步提 升的可能。这需要多部 门共同努力，落实京津冀区域银行业协同发展。京津冀区域金融业发展耦合协同 度体现出趋同走势，结合京津冀各自区域给出对策及建议。 关键词：金融 业协同度，京津冀一体化，F-H模型，耦合 II ABSTRACT In recent years, With the rapid development of China's economy, The role of financial synergy in the Beijing-Tianjin-Hebei region is increasingly apparent, It has become another fast-growing economic zone after the Yangtze River Delta and the Pearl River Delta region. In the year of 2013, President Xi Jinping increase the coordinated development of Beijing-Tianjin-Hebei finance to the height of national strategic development, It is clear that Beijing-Tianjin-Hebei regional financial synergy is of great significance for the reconstruction of the capital economic circle.The coordinated development of Beijing-Tianjin-Hebei financial cooperation requires three regions to strengthen economic cooperation , Achieving economic integration allows elements to flow freely across regions, Rational allocation and aggregation of regional resources, Realizing the long- term development of regional economy. However,Financial industry of Beijing-Tianjin-Hebei is in its infancy, there are many factors that hinder the financial industry's collaboration, regional capital elements cannot be distributed across regions, information sharing mechanism is not sound, The existence of administrative barriers is not conducive to the coordination within the region, the regional financial systems that have their own politics also hindered the financial market structure. For the above problems, the three regions of Beijing, Tianjin, and Hebei should increase their awareness of financial cooperation and achieve mutual benefits while competing with each other.in the context of the slow progress of financial integration in the Beijing-Tianjin-Hebei region and the rising demand for coordinated development of Beijing, Tianjin and Hebei, this thesis compares the integration of the three regions of Beijing, Tianjin and Hebei, the financial industry development index, then analyze the financial development in the Beijing-Tianjin-Hebei region, has used the savings-investment model to empirically analyze the degree of banking integration in the Beijing-Tianjin-Hebei region and Beijing-Tianjin-Hebei financial development model based on coupling theory. The empirical analysis shows that the lower level of banking industry integration is mainly due to the impact of economic cycles and fiscal policies, reflects the potential for further improvement in the degree of banking integration in the Beijing-Tianjin-Hebei region. This requires multiple departments to work together, III implementing the integrated development of the banking industry in the Beijing-Tianjin-Hebei region.Beijing-Tianjin-Hebei regional financial industry development coupling collaboration shows convergence trend. Combine the countermeasures and suggestions in the respective areas of Beijing, Tianjin and Hebei. KEY WORDS: Financial Industry Synergy degree, Beijing-Tianjin-Hebei Integration, F-H Model , Coupling IV 目录 摘要 .............................................................. I ABSTRACT ....................................................... II 第1章 绪论 ........................................................ 1 1.1 研究背景和意义 ............................................... 1 1.1.1 研究背景 ................................................ 1 1.1.2 研究意义 ................................................ 2 1.2 金融业协同相关概念与文献综述 ................................. 2 1.2.1 相关概念 ................................................ 2 1.2.2 文献综述 ................................................ 3 1.3 本文的结构与研究的技术路线 ................................... 6 1.3.1 本文的结构 .............................................. 6 1.3.2 研究的技术路线 .......................................... 7 第2章 理论基础 .................................................... 8 2.1 区域金融增长理论 ............................................. 8 2.1.1 区域金融带动储蓄量增加 .................................. 8 2.1.2 区域金融増长有助于区域内资本形成效率的上升 .............. 9 2.2 最优货币区理论 ............................................... 9 第3章 京津冀区域金融协同发展的现状分析 ........................... 11 3.1 京津冀区域现实情况 .......................................... 11 3.1.1 区域政策扶持力度加强 ................................... 11 3.1.2 区域地理位置优越 ....................................... 11 3.1.3 区域内金融资源丰富 ..................................... 12 3.2 京津冀地区对金融协同发展的推动与落实近况 .................... 13 3.2.1 北京对京津冀金融协同发展的推动与落实近况 ............... 13 3.2.2 天津对京津冀金融协同发展的推动与落实近况 ............... 14 3.2.3 河北对京津冀金融协同发展的推动与落实近况 ............... 15 3.3 京津冀银行同业竞争近况 ...................................... 16 3.3.1 大中小行均发力， 总行层面战略布局 ....................... 16 3.3.2 加快推进京津冀金融信息共享与研发协同概念的特色产品 ..... 17 3.3.3 加大融资规模、流程、机构等资源倾斜与内部 挖潜的力度 ..... 18 3.3.4 发挥集团综合优势，全面服务京津冀协同发展 ............... 19 V 3.3.5 综合自身优势、差异化拓展京津冀市场 ..................... 20 3.4 京津冀金融业协同发展的限制因素 .............................. 21 3.4.1 京津冀商业银行组织架构存在弊端 ......................... 21 3.4.2 京津冀地区利益共享机 制不健全 ........................... 22 3.4.3 京津冀区域金融协同步伐滞后带来负面影响 ................. 22 3.4.4 融资结构多元化，项目投资进展缓慢影响银行融资 对接 ....... 22 第4章 京津冀银行业协同度实证分析 ................................. 24 4.1 金融相关比率 ................................................ 24 4.2 京津冀地区银行业协同度的实证分析 ............................ 25 4.2.1 测定方法概述 ........................................... 25 4.2.2 储蓄—投资模型 (F-H)原理 ................................ 25 4.2.3 数据的选取 ............................................. 26 4.2.4 数据的处理与单位根检验 ................................. 26 4.2.5 无条件的储蓄—投资相关性 ............................... 27 4.2.6 有条件的储蓄—投资相关性 ............................... 28 4.3 结论 ........................................................ 30 第5章 京津冀金融业协同度研究 ..................................... 31 5.1 京津冀金融业发展协同度模型的构建 ............................ 31 5.1.1 建立指标体系 ........................................... 31 5.1.2 确定指标权重 ........................................... 35 5.1.3 数据的无量纲化处理 ..................................... 35 5.2 基于