安徽省信贷结构对经济发展影响研究

发布时间：2018-01-08 05:24

本文关键词：安徽省信贷结构对经济发展影响研究　出处：《安徽理工大学》2013年硕士论文　论文类型：学位论文

【摘要】：在经济发展进程中,金融扮演着重要角色。而金融推动经济发展的作用机制具体体现为市场机制对闲散资金的合理配置,其中金融机构发挥着吸收社会闲散资金的作用。市场经济的融资方式分为直接融资和间接融资,在中国,主要是依靠银行信贷吸收社会闲散资金再进行合理的配置。因而,与以银行信贷为主的间接融资方式相比之下,资本市场的发展规模仍然较小,同时合理的信贷结构是资金得以有效配置的前提。所以,基于信贷结构对经济发展的影响进行研究,调整信贷结构以促进经济增长,从而推动经济发展具有理论意义和现实意义。本文以安徽省信贷结构对经济发展的影响为研究对象,基于经济发展理论与货币经济理论的理论基础,阐述了信贷结构对于经济发展的作用机制。其次分析了安徽省信贷结构与经济发展现状,并对安徽省信贷结构对经济发展的影响做了偏相关分析。分析内容分为三部分,分别从信贷产业结构对经济发展的影响、信贷期限结构对经济发展的影响和信贷区域结构对经济发展的影响三方面加以研究。由于国内生产总值是经济发展的重要的因素,因而通过统计学中的偏相关分析对安徽省信贷结构与国内生产总值的关系做了分析,得出各结构因素与安徽省国内生产总值的相关性系数。总结了信贷产业结构不平衡问题、信贷期限结构不平衡问题和信贷区域结构不平衡问题,这些问题都将影响安徽省经济发展的步伐。通过对安徽省信贷结构中的问题进行细化地分析,提出了要重组风险定价与信贷决策机制,构建多元化融资体系,改善金融生态环境,营造和谐的政策环境,使安徽省信贷结构能更有效地促进经济发展。
[Abstract]:In the process of economic development, finance plays an important role. The mechanism and finance to promote economic development embodied in the rational allocation of the market mechanism of idle funds, the financial institutions play a role. Absorb idle funds in the society of market economy financing is divided into direct financing and indirect financing in China, mainly rely on bank credit to absorb idle funds by reasonable configuration. Therefore, compared with the indirect financing to bank credit based, the scale of development of the capital market is still small, the credit structure is reasonable and effective allocation of funds to the premise. Therefore, to study the impact of the credit structure on economic development based on the adjustment of credit structure to promote economic growth, promote economic development has theoretical significance and practical significance.
This paper takes Anhui province credit structure influence on the economic development as the research object, theory foundation and monetary economic development based on the economic theory, expounds the mechanism of the credit structure in economic development. Secondly analyzes the development status of Anhui Province, the credit structure and economy, and the influence on the economic development of Anhui Province credit structure made partial analysis of correlation analysis. The content is divided into three parts, respectively from the credit industry structure influence on the economic development, the impact of the credit term structure influence on the economic development and regional credit structure on economic development in three areas to study. Because GDP is an important factor in economic development, thus through partial correlation analysis in statistics the relationship of Anhui province credit structure and GDP is analyzed, the correlation coefficient of GDP to obtain the structural factors of Anhui province and the total node. The credit industry structure imbalance, the term structure of credit and credit structure imbalance regional imbalance, these problems will affect the pace of economic development in Anhui province. Detailed analysis of Anhui province through the credit structure of the problem, put forward to restructuring risk pricing and credit decision mechanism, building a diversified financing system and improve the financial ecological environment, create a harmonious policy environment, make Anhui province credit structure can effectively promote economic development.

【学位授予单位】：安徽理工大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.4;F127

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