پژوهش ها و چشم اندازهای اقتصادی

پژوهش ها و چشم اندازهای اقتصادی

بررسی اثر توسعه مالی بر سرمایه انسانی

نویسندگان
1 دانشجوی دکتری اقتصاد، دانشکده علوم اداری و اقتصادی، دانشگاه مازندران
2 استاد گروه اقتصاد، دانشکده علوم اداری و اقتصاد، دانشگاه فردوسی مشهد
3 دکترای علوم اقتصادی، دانشگاه فردوسی مشهد
چکیده
از آنجایی که مطالعات موجود نشان می‌دهند که توسعه مالی، یکی از عواملی است که می‌تواند به گسترش سرمایه انسانی کمک کند، هدف تحقیق حاضر، بررسی تأثیر توسعه مالی در تشکیل سرمایه انسانی ایران طی دوره 89-1352 می‌باشد. با توجه به اینکه توسعه مالی مفهومی گسترده و دارای ابعاد متعددی است، در این تحقیق ابتدا به ایجاد شاخصی چند بعدی از ترکیب چهار شاخص بانکی توسعه مالی شامل نسبتM2بهتولیدناخالصداخلی، نسبت بدهی بخش خصوصی به سیستم بانکی به تولید ناخالص داخلی، نسبت دارایی‏‌های بانک مرکزی به تولید ناخالص داخلی و نسبت دارایی‏‌های بانک‏‌های سپرده‏پذیر به تولید ناخالص داخلی، به روش تجزیه به مؤلفه‌‌های اصلی با استفاده از نرم افزار SASپرداخته شده است، سپس با استفاده از روش خود بازگشت با وقفه‏‌های توزیعی (ARDL)، اثر توسعه مالی بر سرمایه انسانی با استفاده از نرم افزار Microfit. مورد بررسی قرار می‌گیرد. نتایج به دست آمده، حاکی از آن است که توسعه مالی در کوتاه مدت و بلند مدت اثر مثبت و معنی داری بر سرمایه انسانی می‌گذارد که میزان اثرگذاری در بلندمدت نسبت به کوتاه مدت بیشتر است.
کلیدواژه‌ها

عنوان مقاله English

The Effect of Financial Development on Human Capital in Iran

نویسندگان English

Lida Gohari 1
Mostafa Salimifar 2
Mohammad Ali Aboutorabi 3
1 Ph.D. Candidate in Economics, Faculty of Administrative Sciences and Economics, University of Mazandaran, Babolsar, Iran
2 Professor of Economics, Faculty of Administrative Sciences and Economics, Ferdowsi University of Mashhad
3 Ph.D. in Economics, Ferdowsi University of Mashhad
چکیده English

Since financial development can contribute to the development of human capital, this paper examines the effect of financial development on human capital formation in Iran during 1973-2010. Regarding financial development as a multifaceted concept, this article first deals with constructing a multidimensional index, including ratio of M2to GDP, ratio of private debt to banks to GDP, ratio of central bank assets to GDP and the ratio of assets of deposit-accepting banks to GDP, using principal components analysis with SAS. Then, using Auto-Regressive Distributed Lags (ARDL) model, the effect of financial development on human capital is estimated through Microfit 4. The results suggest that financial development has significant positive effect on human capital in the short- and long term, and the magnitude of influence is higher in the long term than short term.

کلیدواژه‌ها English

Financial Development
Human Capital
Auto-Regressive Distributed Lags
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