黑龙江省金融机构信贷与经济增长的关系研究

发布时间：2018-01-16 20:40

本文关键词：黑龙江省金融机构信贷与经济增长的关系研究　出处：《哈尔滨工业大学》2014年硕士论文　论文类型：学位论文

【摘要】：地区生产总值是衡量一个地区经济增长的重要指标，金融机构信贷是推动经济发展的重要力量。如何做到既保持地区经济健康、平稳、快速增长，又能最大化的规避金融机构信贷风险的产生，实现两者协调发展，这个问题是需要我们认真思考的。因此，本文研究黑龙江省金融机构信贷与经济增长的关系具有重要的现实意义。本文首先对我省经济发展和金融机构信贷发展的总体和结构情况以及两者之间的关系进行初步分析。然后运用经济计量学的方法从信贷投放总量和结构两个方面与经济总量作了实证分析，结果表明信贷投放在支持我省经济增长中发挥着相当重要的作用，贷款投放规模的扩大可以拉动经济增长，而且这种作用在中长期贷款中表现得更加明显。接着根据本文研究结果，发现虽然我省金融机构信贷对经济增长起到了不可或缺的支持作用，，促进经济增长效果明显，但是也存在着一些不完善之处，如信贷总量偏小、信贷投放期限分配不合理、产业结构倾斜、区域分布失衡和金融生态环境建设欠佳等问题。要解决好这些问题就需要相应做到拓宽信贷融资渠道、合理分配投放期限、优化信贷产业结构、调整信贷区域分布以及加强金融生态环境建设等具体措施。希望通过优化金融机构信贷可以促进我省经济更好更快增长。
[Abstract]:Gross domestic product ( GDP ) is an important indicator of economic growth in a region . Financial institution credit is an important force to promote economic development . How to keep the regional economy healthy , stable , fast and maximize the development of credit risk of financial institutions , and realize the harmonious development of both . Therefore , this paper studies the relationship between credit and economic growth of financial institutions in Heilongjiang Province . Based on the results of this paper , it is found that although the credit of financial institutions in our province plays an important role in supporting the economic growth of our province , it has been found that although the credit of financial institutions in our province plays an important role in supporting the economic growth of our province , it has been found that although the credit of financial institutions in our province plays an important role in supporting the growth of economy , it is necessary to expand the credit financing channel , allocate the investment period rationally , optimize the credit industry structure , adjust the distribution of credit region and strengthen the construction of financial ecological environment , etc . It is hoped that the economic growth of our province can be promoted by optimizing the credit of financial institutions .

【学位授予单位】：哈尔滨工业大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4;F127

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