陕西省银行信贷结构与经济增长的相关性分析

发布时间：2018-05-26 23:10

本文选题：信贷结构 + 经济增长　；参考：《兰州商学院》2012年硕士论文

【摘要】：美国次贷危机后，陕西省在认真贯彻执行国家货币政策的同时，紧紧围绕全省经济社会发展总体目标，采取各种措施力促经济稳定增长。同时，金融机构结合地方经济发展实际，加大信贷投放力度，使信贷投入稳定增长，发挥了积极地推动作用。但数据显示，，陕西省信贷投放总量仍然不能满足经济全面发展的需要，同时，信贷投放结构亦呈现不均衡分布，如因产业结构不合理、区域经济发展不平衡导致的信贷投放结构失衡，贷款投向行业集中现象明显，中小企业及微型企业贷款难等问题依然存在。本文旨在通过对陕西省信贷总量、信贷期限结构、信贷区域结构、信贷产业结构进行分析，运用实证检验的方法对信贷结构与经济增长的相关性进行了检验，结果表明，（1）陕西省信贷支出总量与经济增长之间存在长期的均衡关系，并且贷款总量与经济增长之间存在单向的格兰杰因果关系；（2）就信贷期限结构与经济增长的相关性来看，短期贷款和中长期贷款对经济增长的影响都是正向的，但中长期贷款对经济增长的作用不及短期贷款显著；（3）就贷款产业结构与经济增长的相关性来看，陕西省的工业贷款、商业贷款及农业贷款同经济增长都呈现同向变动关系，相比而言，商业贷款对经济增长的贡献度最高，工业贷款次之，农业贷款的贡献度较低且具有滞后性；（4）从信贷投放区域结构看，陕西省各地州市的信贷投放对经济增长的贡献度具有差异性，但整体呈现区域性，具体表现为，关中地区信贷支出对经济增长的贡献最大，陕北地区次之，陕南地区较差。通过以上分析结果对陕西省经济增长中的信贷投放中存在的问题进行深层次的挖掘，并提出相关对策建议。
[Abstract]:After the subprime mortgage crisis in the United States, Shaanxi Province, while earnestly carrying out the national monetary policy, took various measures to promote the steady growth of the economy closely around the overall goal of the province's economic and social development. At the same time, the financial institutions combined with the actual development of the local economy, increase the intensity of credit, make the credit investment increase steadily, and play an active role in promoting. However, the data show that the total amount of credit in Shaanxi Province is still unable to meet the needs of overall economic development, and at the same time, the structure of credit investment also presents an uneven distribution, for example, because of the unreasonable industrial structure, The imbalance of the credit supply structure caused by the unbalanced development of regional economy, the obvious phenomenon of the concentration of loans to the industry, and the difficulty of lending to small and medium-sized enterprises and microenterprises still exist. The purpose of this paper is to test the correlation between credit structure and economic growth by analyzing the total amount of credit, the term structure of credit, the regional structure of credit and the structure of credit industry in Shaanxi Province. The results show that there is a long-term equilibrium relationship between total credit expenditure and economic growth in Shaanxi Province, and there is a one-way Granger causality relationship between total loan amount and economic growth. The effects of short-term loans and medium- and long-term loans on economic growth are both positive, but the effects of medium- and long-term loans on economic growth are not as significant as short-term loans.) in terms of the correlation between the industrial structure of loans and economic growth, industrial loans in Shaanxi Province, Commercial loans and agricultural loans are in the same direction as economic growth. In contrast, commercial loans contribute the most to economic growth, followed by industrial loans. From the view of the regional structure of credit delivery, the contribution of credit to economic growth in all parts of Shaanxi Province is different, but the overall contribution is regional. The contribution of credit expenditure to economic growth in Guanzhong region is the largest, followed by northern Shaanxi and southern Shaanxi. Through the above analysis results, the problems existing in Shaanxi province's economic growth are excavated deeply, and the relevant countermeasures and suggestions are put forward.
【学位授予单位】：兰州商学院
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.4;F127;F224

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