山东省商业银行服务县域城镇化发展的实证研究

发布时间：2018-08-06 09:57

【摘要】：新型城镇化是党的十八大确定的重大发展战略,是稳增长、扩内需的最大潜力所在,蕴含着巨大的金融需求,也是各家金融机构争相发展的战略性重点。论文通过资料分析与实地调研,运用理论与实践相结合、定性与定量分析相结合的研究方法,对山东省县域城镇化发展现状进行了归纳总结,对商业银行服务县域城镇化发展存在的主要制约因素进行了深入剖析,并以山东省91个县(市)为研究对象,建立基于截面数据和时间序列数据的计量模型,系统分析了金融服务对县域城镇化的作用影响。最后,论文以完善商业银行自身服务能力为重点,在经营策略、产品创新、风险防控等方面提出了相关对策与建议。第一,论文通过对山东省县域城镇化发展现状分析,认为在市场与政府政策的共同作用下,山东在深化县域产业转型、推进小城镇建设等方面均取得较大成效,县域城镇化呈现出加速发展的态势和较大的发展潜力。对于山东县域经济的区域发展不平衡问题,应坚持“分类指导、突出重点”的差异化策略。第二,通过对商业银行服务县域城镇化存在的主要制约因素分析,认为县域城镇化粗放式发展与农村信用体系不健全等外部因素,导致金融交易环境较差,制约了农村金融市场的发展,从而促使以效益为目标的商业银行在金融创新、资源配置等方面动力不足。政府层面的配套措施不到位是限制商业银行服务新型城镇化发展的制度性原因,强化相关制度设计是缓解当前县域金融市场供需矛盾的关键因素。第三,通过金融服务对县域城镇化影响的实证分析,认为商业银行应针对县域经济发展的差异性,紧密结合政府支持新型城镇化的政策,实施差异化的经营策略,明确城镇化进程中的重点投向和领域,并在建立健全产品创新机制的基础上,优化贷款产品结构,加强与金融同业的合作,加大直接融资产品的创新推广力度。同时,商业银行不仅要积极推进自助银行、移动金融等新型金融服务渠道建设,还应主动与地方政府对接,加强工作联动,营造有利于金融服务县域城镇化发展的政策与市场环境。
[Abstract]:New urbanization is a major development strategy determined by the 18th National Congress of the Communist Party of China. It is the greatest potential for steady growth and expansion of domestic demand. It contains huge financial needs and is also a strategic focus for the development of various financial institutions. Through data analysis and field investigation, this paper summarizes the present situation of county urbanization in Shandong Province by combining theory with practice, qualitative and quantitative analysis. This paper deeply analyzes the main factors restricting the development of urbanization in counties served by commercial banks, and taking 91 counties (cities) in Shandong Province as the research object, establishes a econometric model based on cross-section data and time series data. The effects of financial services on county urbanization are systematically analyzed. Finally, the paper puts forward the relevant countermeasures and suggestions in the aspects of management strategy, product innovation, risk prevention and control and so on, focusing on perfecting the service ability of commercial banks. First, through the analysis of the present situation of the county urbanization in Shandong Province, the author thinks that under the joint action of the market and the government policy, Shandong has made great achievements in deepening the transformation of the county industry and promoting the construction of small towns. County urbanization presents a trend of accelerated development and greater potential for development. As to the imbalance of regional development of county economy in Shandong Province, the differentiation strategy of "classification guidance and emphases" should be adhered to. Second, through the analysis of the main restricting factors of the commercial banks serving the county urbanization, it is concluded that the extensive development of the county urbanization and the imperfect rural credit system lead to the poor financial transaction environment. It restricts the development of the rural financial market, thus impels the commercial banks with the goal of benefit to lack the motive power in the aspects of financial innovation and resource allocation. The lack of supporting measures at the government level is the institutional reason for restricting the service of commercial banks to the development of new urbanization. Strengthening the design of relevant systems is the key factor to alleviate the contradiction between supply and demand in the current county financial market. Thirdly, through the empirical analysis of the impact of financial services on county urbanization, the author holds that commercial banks should implement differentiated management strategies in view of the differences in the development of county economies, closely combined with the government's policy to support the new type of urbanization. On the basis of establishing and perfecting the mechanism of product innovation, we should optimize the structure of loan products, strengthen the cooperation with the financial industry, and increase the innovation and popularization of direct financing products. At the same time, commercial banks should not only actively promote the construction of new financial service channels, such as self-help banks and mobile finance, but also take the initiative to connect with local governments and strengthen the linkage of work. To create a favorable financial services county urbanization development policy and market environment.
【学位授予单位】：山东大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.33;F299.27

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