商业银行支持山东省县域城镇化建设策略研究

发布时间：2018-01-07 05:12

本文关键词：商业银行支持山东省县域城镇化建设策略研究　出处：《陕西师范大学》2014年硕士论文　论文类型：学位论文

更多相关文章： 城镇化 商业银行 策略研究 山东省

【摘要】：城镇化问题由来已久,它是经济社会发展的必然趋势,也是人类文明进步的重要标志。新型城镇化是以城乡统筹、产城互动、节约集约、生态宜居、和谐发展为基本特征的城镇化,与传统意义上的城镇化相比,新型城镇化的“新”在于它更强调城镇化内在质量的全面提升,将原来简单追求城镇化数量和规模增长的模式转向追求质量和内涵提升的模式；由原来简单、粗放的模式发展转向节约、环保的模式；由原来主要依靠中心城市的模式转变为大中小城市协调发展的模式,因其对内需的巨大潜在撬动力,已成为各方密切关注的焦点。从1978-2012年,中国的城镇化率从18%提高到52.7%,新型城镇化是一个系统工程,伴随着城镇化进程的不断推进,与城镇化建设以及居民生活有关的众多产业都将获得良好的发展机遇,带动的产业数量众多,既能够有效解决我国的“三农”问题,也能够有效扩大内需、促进产业升级,还能够统筹城乡一体化发展,成为全面建设小康社会的重要载体。在新型城镇化的进程中,作为商业银行,积极发挥自身优势,主动融入新型城镇化进程,既是履行社会责任的重要体现,也是推进商业运作,提供相应的金融服务,推动本行的业务发展客观需求。如何紧跟城镇化进程,把握城镇化的内在变化,为新型城镇化的推进提供合适的金融产品和服务,设计内在的服务机制,是一项值得研究的重大课题。本文以新型城镇化为主线,通过梳理国内外对城镇化与金融之间的关系研究成果,结合规范和实证、文献、图表、定性和定量、理论模型和数据统计等多种分析方法,运用理论推演、比较分析与实证分析等研究方法,一方面,从山东省新型城镇化发展现状入手,对照山东省新型城镇化规划和发展历程中的问题,深入探求了中国新型城镇化发展的方向,进而从信贷和消费需求两个维度寻求商业银行在城镇化进程的机遇；另一方面,结合山东省县域金融发展的现状,对山东省县域金融机构分布、金融供求关系、城镇化资金来源和潜在的县域金融风险进行全面剖析,旨在从中演绎出解决新型城镇化金融需求困境的基本构想,增强新型城镇化金融支持路径选择和制度安排的针对性和有效性,以期为决策部门、金融部门提供有价值的理论参考和对策建议。本文通过逻辑推理和实证分析认为,解决新型城镇化金融需求是个系统工程。作为商业银行,需要在参考欧美等发达国家做法的基础上,把握支持城镇化建设的基本要求、明确支持城镇化建设的重点、创新支持城镇化建设的产品与服务、全面参与金融服务综合解决方案制定、提升支持城镇化建设的能力,在政策、企业、银行之间构建一个多维度、创新型的制度体系,也只有这样,才有可能从根本上走出新型城镇化历程中的困境。
[Abstract]:Urbanization has a long history, it is an inevitable trend of economic and social development, but also an important symbol of the progress of human civilization. Compared with the traditional urbanization, the "new" of the new urbanization lies in its emphasis on the overall improvement of the internal quality of urbanization. The original simple pursuit of urbanization quantity and scale growth mode to the pursuit of quality and content promotion model; From the original simple, extensive mode of development to the mode of conservation, environmental protection; From the mode of relying mainly on the central city to the mode of coordinated development of the large, medium and small cities, it has become the focus of close attention from 1978 to 2012 because of its huge potential driving force for domestic demand. The urbanization rate in China has increased from 18% to 52.7. The new urbanization is a systematic project, which is accompanied by the continuous advancement of the urbanization process. Many industries related to the construction of urbanization and the life of residents will get good opportunities for development and drive a large number of industries, which can effectively solve the problem of "agriculture, rural areas and farmers" in China, and can also effectively expand domestic demand. To promote industrial upgrading, but also to coordinate the development of urban and rural integration, and become an important carrier for building a well-off society in an all-round way. In the process of new-type urbanization, as a commercial bank, it is not only an important embodiment to fulfill social responsibility, but also to promote commercial operation to actively exert its own advantages and actively integrate into the process of new urbanization. Provide the corresponding financial services to promote the bank's business development objective needs. How to closely follow the urbanization process, grasp the inherent changes of urbanization, for the promotion of new urbanization to provide appropriate financial products and services. The design of internal service mechanism is an important subject worth studying. This paper takes the new urbanization as the main line, through combing the domestic and foreign research results on the relationship between urbanization and finance, combining norms and empirical evidence, literature, charts, qualitative and quantitative. Theoretical model and data statistics and other analysis methods, using theoretical deduction, comparative analysis and empirical analysis and other research methods, on the one hand, from the development of new urbanization in Shandong Province. In contrast to the problems in the planning and development of new urbanization in Shandong Province, this paper probes into the direction of the development of new urbanization in China, and then explores the opportunities of commercial banks in the process of urbanization from the two dimensions of credit and consumption demand. On the other hand, combined with the current situation of county financial development in Shandong Province, the distribution of financial institutions, the relationship between financial supply and demand, the sources of urbanization funds and potential county financial risks are comprehensively analyzed. The purpose of this paper is to deduce the basic idea of solving the plight of the new type of urbanization financial demand, strengthen the pertinence and effectiveness of the new urbanization financial support path choice and the system arrangement, with a view to serving as the decision-making department. The financial sector provides valuable theoretical reference and countermeasures. Through logical reasoning and empirical analysis, this paper thinks that it is a system engineering to solve the new financial demand of urbanization. As a commercial bank, we need to refer to the practices of developed countries such as Europe and the United States on the basis of. Grasp the basic requirements to support the construction of urbanization, clearly support the focus of urbanization construction, innovative products and services to support the construction of urbanization, fully participate in the development of comprehensive financial services solutions. Only by enhancing the ability to support urbanization and building a multi-dimensional and innovative institutional system between policies, enterprises and banks, it is possible to fundamentally get out of the dilemma of the new urbanization process.
【学位授予单位】：陕西师范大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F299.21;F832.33

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