我国商业银行信贷对产业结构影响实证研究

发布时间：2018-03-03 04:30

本文选题：商业银行信贷　切入点：产业结构　出处：《湖南科技大学》2013年硕士论文　论文类型：学位论文

【摘要】：商业银行信贷对产业结构的优化升级具有重要作用。本文首先对相关专业文献进行了梳理和研究，总结了金融发展对经济增长的影响、金融发展对产业结构的影响、信贷对产业结构影响、以及商业银行信贷对产业结构影响的相关研究成果。其次，通过对收集到的数据进行整理，概括出金融机构信贷总额增长趋势，并对商业银行信贷的空间分布和分行业的配置情况进行了详细分析，分析了商业银行信贷在三次产业的配置情况，并总结其变化特点。再次，分析了我国商业银行信贷影响产业机构的主要效应和对应机制，具体分析了商业银行信贷影响产业结构的规模效应、溢出效应和反馈效应，以及商业银行信贷影响产业结构的规模机制、溢出机制和反馈机制。最后，结合理论分析，，对商业银行信贷影响产业结构的效应进行了实证分析，发现： (1)商业银行信贷对产业产出没有规模效应，而产业产出对商业银行信贷有规模效应，因此本文构造第一个规模机制作用方向应该反向调整； (2)商业银行信贷对产业产出有溢出效应，即各产业信贷量的变动对三次产业产值变动的影响是多对多映射关系； (3)基于产业对商业银行信贷的规模效应，以及商业银行信贷对产业的溢出效应，发现产业通过规模效应作用于信贷，信贷经由溢出效应作用于产业，产生了反馈效应； (4)商业银行信贷结构对产业结构有影响，同样表现为规模效应、溢出效应和反馈效应，其中溢出效应不仅仅表现为商业银行信贷配置比重对非对应产业比重的产生的直接影响，还表现为信贷内部结构对产业结构产生的间接影响。结合实证研究，本文提出了调整商业银行信贷政策、推进产业升级的建议。
[Abstract]:Commercial bank credit plays an important role in the optimization and upgrading of industrial structure. Firstly, this paper summarizes the influence of financial development on economic growth and the impact of financial development on industrial structure. The effects of credit on industrial structure and commercial bank credit on industrial structure. Secondly, through the collation of the collected data, this paper generalizes the growth trend of the total credit of financial institutions, and analyzes the spatial distribution of the credit of commercial banks and the allocation of the credit in different industries in detail. This paper analyzes the distribution of commercial bank credit in three industries and summarizes its changing characteristics. Thirdly, the paper analyzes the main effects and corresponding mechanisms of commercial bank credit influencing industrial institutions, and analyzes the scale effect, spillover effect and feedback effect of commercial bank credit impact on industrial structure. And the scale mechanism, spillover mechanism and feedback mechanism of commercial bank credit influencing industrial structure. Finally, combining with the theoretical analysis, the paper makes an empirical analysis of the effect of commercial bank credit on the industrial structure, and finds out:. (1) Commercial bank credit has no scale effect on industrial output, but industrial output has scale effect on commercial bank credit. (2) Commercial bank credit has spillover effect on industrial output, that is, the change of credit quantity of each industry has a many-to-many mapping relation to the change of output value of three industries; 3) based on the scale effect of industry to commercial bank credit and the spillover effect of commercial bank credit to industry, it is found that industry acts on credit through scale effect and credit exerts feedback effect on industry through spillover effect. 4) the credit structure of commercial banks has an impact on the industrial structure, which is also manifested by scale effect, spillover effect and feedback effect, in which the spillover effect is not only the direct influence of the proportion of credit allocation of commercial bank on the proportion of non-corresponding industries. It also shows the indirect influence of the internal structure of credit on the industrial structure. Combined with empirical research, this paper puts forward some suggestions to adjust the credit policy of commercial banks and promote industrial upgrading.
【学位授予单位】：湖南科技大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.4;F121.3

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