我国服务业发展的金融支持问题研究

发布时间：2018-06-22 23:43

本文选题：金融支持 + 服务业　；参考：《山东大学》2017年硕士论文

【摘要】：2015年第三产业在国民经济总量中的比重达到50.5%,首次超过500%,2016年第三产业产值比重达到51.6%,第三产业在国民经济体系中的地位不断强化。服务业与第三产业概念上的交叉部分在第三产业和服务业中分别占有绝对比重,服务业在产业体系中重要性不断凸显。我国产业发展历程表明,服务业正逐步发展为我国的第一大产业和第一就业主体,对国民经济总量的增长和质量的提升发挥着明显的推动作用。但是相比发达国家,我国服务业发展仍然处于较低水平,产业内部结构仍然不够合理,现代服务业占比相对不足,服务业发展的潜力充足,十三五规划中提出要加快服务业尤其是现代服务业的快速发展。我国产业融合不断推进,服务业正不断实现与传统三次产业的跨界融合,服务业发展呈现出强劲势头。从未来发展看,中国经济会从以工业经济为主导逐步转向以服务经济为主导。资本支持是实现服务业快速发展的保障。要实现我国服务业的快速发展,对金融服务能力提出了更高的要求。本文的研究重点在于探究金融支持如何促进服务业的发展,并结合我国金融发展现状提出加快金融服务能力提升,通过金融产业支持功能发挥推动服务业快速发展的建议。金融支持促进服务业发展的路径主要表现在以下方面:金融支持有利于提高交易效率,促进市场专业化分工,在市场细分和专业化水平提升过程中促进了服务业的快速发展;金融支持是实现技术创新的必要条件。金融通过资金聚集、金融市场风险管理等职能,实现了对新兴技术行业的资金支持以及传统行业的更新改造,从而为技术创新提供了良好的条件,为现代服务业的发展注入了动力;金融是政府实现产业干预的重要手段。市场经济存在失灵现象,自发调节功能不能解决所有的市场问题,需要政府适时地干预和调整。政府通过金融调控实现产业结构升级的方式主要包括政策性金融、信贷倾斜政策、差别利率政策以及资本市场准入限制的产业选择功能;金融是引导消费需求升级的动力。金融发展提高市场交易效率,借助网络信息技术的发展,全面提升市场服务能力,刺激消费者的服务消费需求。同时消费信贷等金融政策的支持实现了金融资产的跨期配置,全面提升消费者消费能力,实现消费结构的不断升级,成为引领产业结构升级的重要力量。全面提升金融服务能力,是实现服务业产业结构优化的必然要求。本文提出以下建议:加快完善金融体系、为金融发展构建良好的软环境、加大银行信贷资金对服务业的支持力度、增强金融创新能力等。
[Abstract]:The proportion of tertiary industry in the total national economy reached 50.5% in 2015, surpassing 500 for the first time, and the proportion of tertiary industry output value reached 51.6% in 2016. The position of tertiary industry in the national economic system has been continuously strengthened. The cross part of service industry and tertiary industry occupies absolute proportion in the third industry and the service industry respectively, and the service industry is becoming more and more important in the industrial system. The course of industrial development in China shows that the service industry is gradually developing into the first industry and the first main body of employment in our country, which plays an obvious role in promoting the growth of the total amount of national economy and the promotion of the quality of the national economy. However, compared with the developed countries, the development of our service industry is still at a relatively low level, the internal structure of the industry is still not reasonable, the proportion of the modern service industry is relatively insufficient, and the potential for the development of the service industry is abundant. In the third five-year Plan, it is proposed to speed up the rapid development of the service industry, especially the modern service industry. China's industrial convergence continues to advance, the service industry is constantly realizing the cross-border integration with the traditional three industries, and the development of the service industry is showing a strong momentum. From the perspective of future development, China's economy will gradually change from industrial economy to service economy. Capital support is the guarantee to realize the rapid development of service industry. In order to realize the rapid development of our country's service industry, higher requirements are put forward to the financial service ability. The research focus of this paper is to explore how financial support can promote the development of the service industry, and put forward some suggestions on how to promote the rapid development of the service industry through the function of financial industry support, combining with the present situation of financial development in China. Financial support can promote the development of service industry in the following aspects: financial support helps to improve the efficiency of transactions, promote the specialization of the market, and promote the rapid development of the service industry in the process of market segmentation and specialization; Financial support is a necessary condition for technological innovation. Through the functions of capital gathering, financial market risk management and other functions, finance has realized the financial support to the emerging technology industry and the renewal and transformation of the traditional industry, thus providing a good condition for technological innovation. Finance is an important means for the government to achieve industrial intervention. The market economy is out of order and the spontaneous regulation function can not solve all the market problems. It needs government intervention and adjustment in time. The ways for the government to realize the upgrading of industrial structure through financial regulation mainly include policy-oriented finance, credit preference policy, differential interest rate policy and the industrial choice function of the restriction of capital market access, and finance is the motive force to guide the upgrading of consumer demand. With the help of the development of network information technology, the financial development can improve the market service ability and stimulate the consumer's service consumption demand. At the same time, the support of financial policies such as consumer credit realizes the intertemporal allocation of financial assets, comprehensively promotes consumer consumption ability, realizes the constant upgrading of consumption structure, and becomes an important force leading the upgrading of industrial structure. It is an inevitable requirement to optimize the industrial structure of service industry to improve the ability of financial service in an all-round way. This paper puts forward the following suggestions: to accelerate the improvement of the financial system, to build a good soft environment for the financial development, to increase the support of bank credit funds to the service industry, and to enhance the ability of financial innovation, etc.
【学位授予单位】：山东大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F719;F832.4

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