晋商银行对山西煤炭企业产业转型金融支持的调研分析

发布时间：2018-02-26 06:13

本文关键词： 晋商银行煤炭企业转型金融支持结构方程　出处：《兰州财经大学》2017年硕士论文　论文类型：学位论文

【摘要】：山西有巨大的煤炭储量,煤炭产业对本省GDP的贡献占很大比例。这种资源主导的经济虽然不断保持山西经济的快速步伐,但对山西经济长期可持续增长如同麻醉剂一般,形成了许多后患。煤炭开采的过热导致了人们失去了对其他经济行为的积极性,使得经济结构单一,抗风险能力差。如今,山西的金融市场和机构已经具有一定规模,尤其是银行已经遍布各地,但对煤炭企业的转型没有起到支撑性作用,此问题艰巨而又势在必得。解决此任务不仅可以改善山西的经济增长也可以为其他资源省份提供借鉴帮助。晋商银行原名为太原市商业银行,2009年改名成立组建,是山西体量最大的城市商业银行,以太原为中心发展拓展到省内各个地市,其主要股东为山西省财政厅、太原市财政局和一些大型的煤炭集团,例如潞安集团、山西晋城无烟煤矿业集团、山西焦煤集团等,其对煤炭企业的发展转型的作用不容忽视。但晋商银行对山西煤炭产业转型贡献作用相关的影响因素有待我们的发现和考证。本文研究晋商银行和山西煤炭企业二者业务联系,对晋商银行支持山西煤炭企业转型的措施和途径列出了几项建议。文章结构如下:第一部分为绪论,描述调研背景,提出调研目的和意义,并对国内外观点展开综述;第二部分对金融支持和产业转型的相关理论进行了简要的论述;第三部在探讨供给侧改革下煤炭企业转型放向的基础上,明确煤炭企业产业转型的必要性并发掘山西煤炭企业面临的融资困境;第四部分站在资金供给方的角度,用杜邦分解法拆分晋商银行的财务指标,并指出其发展情况、股东分布、不良贷款程度和放贷过程中存在的问题以及盈利能力的变化;第五部分进行调研设计和问卷数据分析,对晋商银行和其煤炭企业客户开展问卷调查,并将所得数据统计整理,分析晋商银行对煤炭企业转型金融支持存在的问题;第六部分运用了问卷得到的统计数据,构建结构方程模型,运用SPSS、Amos等统计软件实证分析了晋商银行对山西煤炭企业转型的金融支持的影响因素,并解释其现象。第七章讨论研究结果,并针对晋商银行和煤炭企业提出相关建议。
[Abstract]:Shanxi has huge coal reserves, and the coal industry contributes a large proportion to the province's GDP. Although this resource-led economy keeps the rapid pace of Shanxi's economy, it is like an anesthetic for the long-term sustainable growth of Shanxi's economy. The overheating of coal mining has caused people to lose their enthusiasm for other economic activities, resulting in a single economic structure and poor ability to resist risks. Today, the financial markets and institutions in Shanxi have a certain scale. Banks, in particular, have spread all over the country, but they have not played a supporting role in the transformation of coal enterprises. This problem is difficult and necessary. Solving this task can not only improve the economic growth of Shanxi, but also provide reference for other resource provinces. Shanxi Merchants Bank, formerly known as Taiyuan City Commercial Bank, was founded in 2009. Is the largest city commercial bank in Shanxi Province, with Taiyuan as the center of development and expanded to all prefectures and cities in the province, its main shareholders are the Finance Department of Shanxi Province, the Finance Bureau of Taiyuan City and some large coal groups, such as Lu'an Group. Shanxi Jincheng anthracite Mining Group, Shanxi Coking Coal Group, etc., However, the influence factors related to the contribution of Shanxi Commercial Bank to the transformation of Shanxi coal industry need to be discovered and verified. This paper studies the business relationship between Shanxi Commercial Bank and Shanxi Coal Enterprise. This paper lists several suggestions on the measures and ways for Shanxi Commercial Bank to support the transformation of Shanxi coal enterprises. The structure of the article is as follows: the first part is an introduction, describes the research background, proposes the purpose and significance of the investigation, and makes a summary of the domestic and foreign viewpoints; The second part briefly discusses the related theories of financial support and industrial transformation. The third part discusses the transformation direction of coal enterprises under supply-side reform. The necessity of industrial transformation of coal enterprises and the financing difficulties faced by Shanxi coal enterprises are clarified, and the financial indexes of Shanxi commercial banks are broken up by DuPont decomposition method, and their development is pointed out in 4th from the point of view of capital supply. The distribution of shareholders, the degree of non-performing loans and the problems existing in the process of lending, and the change of profitability; 5th part of the survey design and questionnaire data analysis, the Shanxi Merchants Bank and its coal enterprise customers to carry out a questionnaire survey, And statistical analysis of the data obtained to analyze the Shanshang Bank of coal enterprises in the transformation of financial support problems; 6th part of the use of statistical data obtained from the questionnaire to build a structural equation model, This paper empirically analyzes the influencing factors of Shanxi Commercial Bank's financial support to the transformation of Shanxi coal enterprises by using SPSS / Amos and other statistical softwares, and explains its phenomenon. Chapter 7th discusses the research results, and puts forward some relevant suggestions for Shanxi Commercial Bank and coal enterprises.
【学位授予单位】：兰州财经大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F426.21;F832.33

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