我国信贷政策对产业结构的影响效应研究

发布时间：2018-06-14 07:00

本文选题：信贷政策 + 产业结构调整　；参考：《湖南大学》2014年硕士论文

【摘要】：“十二五”时期，国际国内形势正在发生深刻变化，我国经济社会发展呈现出新的阶段性特征。为使经济协调发展，国家适时出台了一系列产业优化政策，对促进产业结构优化升级，促进信贷与产业政策的协调配合提出了新的战略任务。因此，了解信贷作用于产业结构调整的内在机制，研究信贷政策对产业结构调整的影响，对加速我国产业化进程、促进经济健康稳定发展具有十分重大的理论价值与实践意义。本文按照“发现问题→分析问题→解决问题”的研究思路，对信贷政策影响产业结构调整的问题，从理论发展、现实考察与实践应用三个方面进行了多渠道、广层面的论述和研究。首先，在界定相关概念的基础上，分别分析并阐述信贷政策调整产业结构的作用机理与影响因素；其次，系统梳理我国1978年以来的信贷政策变迁，及其影响下的产业发展与产业结构调整概况；再次，运用计量经济学方法，构建非线性门限回归模型，考察我国不同信贷政策对产业结构在力度、方向等方面的影响；最后，基于研究结果，有针对性地提出能够使我国信贷政策更好地作用于产业结构调整的对策建议。研究发现，，信贷政策对产业结构调整的影响存在门限效应。金融机构各项贷款余额的不断增加，对第一、二产业产值比重增加的影响始终为正，但程度不同。而当其增加到一定水平时，对第三产业产值比重增加的影响才由负转正，但明显弱于第一、二产业。因此，可以考虑从突出对产业政策支持部门的信贷倾斜、建立与优化商业银行信贷决策程序、开发具有产业特色的信贷产品以及加强与产业政策的协调配合四个方面，优化调整我国产业结构的信贷政策选择。
[Abstract]:In the "12th Five-Year" period, the international and domestic situation is undergoing profound changes, and the economic and social development of our country has presented a new stage characteristic. In order to make the economy develop harmonizes, the state has issued a series of industrial optimization policies in time, and put forward a new strategic task to promote the optimization and upgrading of the industrial structure and promote the coordination and coordination of credit and industrial policy. Therefore, it is of great theoretical and practical significance to understand the internal mechanism of credit action on industrial structure adjustment, to study the impact of credit policy on industrial structure adjustment, to accelerate the process of industrialization in China and to promote the healthy and stable development of the economy.
In accordance with the research ideas of "finding problems, analyzing problems and solving problems", this paper makes a multichannel and extensive discussion and Research on the influence of credit policy on the adjustment of industrial structure from three aspects: theoretical development, practical investigation and practical application. First, on the basis of defining relevant concepts, the credit policy is analyzed and expounded respectively. The mechanism and influencing factors of the industrial structure are adjusted. Secondly, the changes of credit policy in China since 1978, and the general situation of industrial development and industrial structure adjustment under the influence of China are systematically reviewed. Thirdly, the nonlinear threshold regression model is constructed by using econometrics methods, and the strength of the industrial structure of different credit policies in China is investigated. In the end, based on the results of the research, we put forward some suggestions to make the credit policy of our country better play a role in the adjustment of industrial structure.
The study found that there is a threshold effect on the impact of credit policy on the adjustment of industrial structure. The increasing impact of the balance of the financial institutions on the increase in the proportion of the output value of the first, second industry is always positive, but in a different degree. When it is increased to a certain level, the impact on the increase in the proportion of the output value of the third industry is negative, but it is obviously weak. It is in the first, second industry. Therefore, we can consider the credit policy of the industry policy support departments, establish and optimize the credit decision-making process of commercial banks, develop credit products with industrial characteristics and strengthen coordination and coordination with industrial policies in four aspects, and optimize the choice of credit policy to adjust the industrial structure of our country.
【学位授予单位】：湖南大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4;F121.3

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