黑龙江省银行信贷结构与产业升级关联性研究

发布时间：2017-12-30 23:15

本文关键词：黑龙江省银行信贷结构与产业升级关联性研究　出处：《哈尔滨商业大学》2014年硕士论文　论文类型：学位论文

【摘要】：我国经济经过改革开放快速发展,已经逐步从扩张数量转向提高效益、调整合理结构,深化金融体制改革已成为经济体制改革的重头戏。但黑龙江经济仍缺乏持续增长的亮点,产业结构的不合理化制约着其快速发展,深化黑龙江金融改革、优化产业结构升级已成为改革黑龙江经济体制及调整经济结构战略的成败关键。作为金融体制及经济核心,银行业应发挥信贷支持作用,积极推动产业结构优化升级。研究探索银行信贷结构与产业升级的关联性,对于调整黑龙江信贷结构、促进产业优化升级具有重要的理论和现实意义。以往文献,大多数学者从单一角度金融发展对经济增长的影响,或者只是研究金融对产业的影响,很少有学者将银行信贷结构与产业结构升级间的关联性作为一个独立问题研究。因此,银行信贷结构与产业升级关联机理的深入研究,加强对信贷作用于产业升级内在机制的了解,对制定科学合理的金融战略,及调整升级经济结构、保证黑龙江经济长期稳定发展具有深远意义。本文在采用定性与定量分析的同时,结合黑龙江省经济现状,理论与实证分析相结合,结合黑龙江省信贷与产业结构的实际情况,探究研究银行信贷结构与产业升级的作用机理,构造其多变量VAR模型,并根据协整检验、Granger因果检验,对银行信贷结构与产业升级的关系进行实证研究,证明银行信贷结构与产业结构间的相关关系,得出结论：合理的银行信贷结构与优化产业结构是相互协调、相互促进的,信贷结构的调整直接影响产业产值的变化。最后,根据实证结果提出了优化产业结构调整的信贷政策选择。本文系统完善地揭示了黑龙江银行信贷结构与产业升级的作用机理与相互影响关系,这对产业结构调整有极大帮助。针对黑龙江省特色产业结构制定与之相应的合理的信贷政策,差别有效的政策可使产业协调发展,发挥信贷结构积极的推动作用,实现产业结构的优化升级。
[Abstract]:China's economic rapid development after the reform and opening up, has been gradually from quantity expansion to improve efficiency, adjust the structure, deepening the reform of the financial system has become the highlight of economic reform. But Heilongjiang's economy is still lack of sustained growth, unreasonable industrial structure restricts the rapid development of Heilongjiang, deepen financial reform, optimize and upgrade the industrial the structure has become the key to the success of Heilongjiang's economic system reform and economic restructuring strategy. As the financial system and economic core, the banking industry should play the role of credit support, and actively promote the optimization and upgrading of industrial structure. Correlation research of bank credit structure and industrial upgrading, Heilongjiang for the adjustment of credit structure, promote industrial optimization has important theory and the practical significance of the upgrade.
In previous literature, most scholars from a single point of financial development on economic growth, or just study the financial impact on the industry, and few scholars have an independent research association of bank credit structure and industrial structure upgrading between as. Therefore, in-depth study of bank credit structure and industrial upgrading related mechanism, strengthen credit effect on the industrial upgrading mechanism of understanding, to establish scientific and reasonable financial strategy, adjustment and upgrading of economic structure, to ensure long-term stable development of Heilongjiang economy has far-reaching significance.
In this paper, using qualitative and quantitative analysis at the same time, combined with the current economic situation in Heilongjiang Province, the combination of theoretical and empirical analysis, combined with the actual situation of credit and industrial structure of Heilongjiang Province, to study the mechanism of bank credit structure and industrial upgrading, construct the multivariable VAR model and cointegration test, Granger causality test, carried out an empirical study on the relationship between bank credit structure and industrial upgrading, the correlation between bank credit structure and industrial structure, the conclusion: bank credit structure and optimize the industrial structure is reasonable mutual coordination, mutual promotion, adjust credit structure directly influence the change of industrial output value. Finally, according to the empirical results put forward optimization the industrial structure adjustment of the credit policy.
This paper reveals the mechanism of improving Heilongjiang bank credit structure and industrial upgrading and the relationship between them, it is of great help for the adjustment of industrial structure in Heilongjiang province. According to the characteristics of the industrial structure to make reasonable credit policy and the corresponding differences, effective policy can make the coordinated development of the industry, the credit structure play a positive role in promoting. To achieve the optimization and upgrading of industrial structure.

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

【参考文献】