本文選題：金融支持 + 服務(wù)業(yè)��； 參考：《山東大學(xué)》2017年碩士論文

【摘要】：2015年第三產(chǎn)業(yè)在國(guó)民經(jīng)濟(jì)總量中的比重達(dá)到50.5%,首次超過(guò)500%,2016年第三產(chǎn)業(yè)產(chǎn)值比重達(dá)到51.6%,第三產(chǎn)業(yè)在國(guó)民經(jīng)濟(jì)體系中的地位不斷強(qiáng)化。服務(wù)業(yè)與第三產(chǎn)業(yè)概念上的交叉部分在第三產(chǎn)業(yè)和服務(wù)業(yè)中分別占有絕對(duì)比重,服務(wù)業(yè)在產(chǎn)業(yè)體系中重要性不斷凸顯。我國(guó)產(chǎn)業(yè)發(fā)展歷程表明,服務(wù)業(yè)正逐步發(fā)展為我國(guó)的第一大產(chǎn)業(yè)和第一就業(yè)主體,對(duì)國(guó)民經(jīng)濟(jì)總量的增長(zhǎng)和質(zhì)量的提升發(fā)揮著明顯的推動(dòng)作用。但是相比發(fā)達(dá)國(guó)家,我國(guó)服務(wù)業(yè)發(fā)展仍然處于較低水平,產(chǎn)業(yè)內(nèi)部結(jié)構(gòu)仍然不夠合理,現(xiàn)代服務(wù)業(yè)占比相對(duì)不足,服務(wù)業(yè)發(fā)展的潛力充足,十三五規(guī)劃中提出要加快服務(wù)業(yè)尤其是現(xiàn)代服務(wù)業(yè)的快速發(fā)展。我國(guó)產(chǎn)業(yè)融合不斷推進(jìn),服務(wù)業(yè)正不斷實(shí)現(xiàn)與傳統(tǒng)三次產(chǎn)業(yè)的跨界融合,服務(wù)業(yè)發(fā)展呈現(xiàn)出強(qiáng)勁勢(shì)頭。從未來(lái)發(fā)展看,中國(guó)經(jīng)濟(jì)會(huì)從以工業(yè)經(jīng)濟(jì)為主導(dǎo)逐步轉(zhuǎn)向以服務(wù)經(jīng)濟(jì)為主導(dǎo)。資本支持是實(shí)現(xiàn)服務(wù)業(yè)快速發(fā)展的保障。要實(shí)現(xiàn)我國(guó)服務(wù)業(yè)的快速發(fā)展,對(duì)金融服務(wù)能力提出了更高的要求。本文的研究重點(diǎn)在于探究金融支持如何促進(jìn)服務(wù)業(yè)的發(fā)展,并結(jié)合我國(guó)金融發(fā)展現(xiàn)狀提出加快金融服務(wù)能力提升,通過(guò)金融產(chǎn)業(yè)支持功能發(fā)揮推動(dòng)服務(wù)業(yè)快速發(fā)展的建議。金融支持促進(jìn)服務(wù)業(yè)發(fā)展的路徑主要表現(xiàn)在以下方面:金融支持有利于提高交易效率,促進(jìn)市場(chǎng)專業(yè)化分工,在市場(chǎng)細(xì)分和專業(yè)化水平提升過(guò)程中促進(jìn)了服務(wù)業(yè)的快速發(fā)展;金融支持是實(shí)現(xiàn)技術(shù)創(chuàng)新的必要條件。金融通過(guò)資金聚集、金融市場(chǎng)風(fēng)險(xiǎn)管理等職能,實(shí)現(xiàn)了對(duì)新興技術(shù)行業(yè)的資金支持以及傳統(tǒng)行業(yè)的更新改造,從而為技術(shù)創(chuàng)新提供了良好的條件,為現(xiàn)代服務(wù)業(yè)的發(fā)展注入了動(dòng)力;金融是政府實(shí)現(xiàn)產(chǎn)業(yè)干預(yù)的重要手段。市場(chǎng)經(jīng)濟(jì)存在失靈現(xiàn)象,自發(fā)調(diào)節(jié)功能不能解決所有的市場(chǎng)問(wèn)題,需要政府適時(shí)地干預(yù)和調(diào)整。政府通過(guò)金融調(diào)控實(shí)現(xiàn)產(chǎn)業(yè)結(jié)構(gòu)升級(jí)的方式主要包括政策性金融、信貸傾斜政策、差別利率政策以及資本市場(chǎng)準(zhǔn)入限制的產(chǎn)業(yè)選擇功能;金融是引導(dǎo)消費(fèi)需求升級(jí)的動(dòng)力。金融發(fā)展提高市場(chǎng)交易效率,借助網(wǎng)絡(luò)信息技術(shù)的發(fā)展,全面提升市場(chǎng)服務(wù)能力,刺激消費(fèi)者的服務(wù)消費(fèi)需求。同時(shí)消費(fèi)信貸等金融政策的支持實(shí)現(xiàn)了金融資產(chǎn)的跨期配置,全面提升消費(fèi)者消費(fèi)能力,實(shí)現(xiàn)消費(fèi)結(jié)構(gòu)的不斷升級(jí),成為引領(lǐng)產(chǎn)業(yè)結(jié)構(gòu)升級(jí)的重要力量。全面提升金融服務(wù)能力,是實(shí)現(xiàn)服務(wù)業(yè)產(chǎn)業(yè)結(jié)構(gòu)優(yōu)化的必然要求。本文提出以下建議:加快完善金融體系、為金融發(fā)展構(gòu)建良好的軟環(huán)境、加大銀行信貸資金對(duì)服務(wù)業(yè)的支持力度、增強(qiáng)金融創(chuàng)新能力等。
[Abstract]:The proportion of tertiary industry in the total national economy reached 50.5% in 2015, surpassing 500 for the first time, and the proportion of tertiary industry output value reached 51.6% in 2016. The position of tertiary industry in the national economic system has been continuously strengthened. The cross part of service industry and tertiary industry occupies absolute proportion in the third industry and the service industry respectively, and the service industry is becoming more and more important in the industrial system. The course of industrial development in China shows that the service industry is gradually developing into the first industry and the first main body of employment in our country, which plays an obvious role in promoting the growth of the total amount of national economy and the promotion of the quality of the national economy. However, compared with the developed countries, the development of our service industry is still at a relatively low level, the internal structure of the industry is still not reasonable, the proportion of the modern service industry is relatively insufficient, and the potential for the development of the service industry is abundant. In the third five-year Plan, it is proposed to speed up the rapid development of the service industry, especially the modern service industry. China's industrial convergence continues to advance, the service industry is constantly realizing the cross-border integration with the traditional three industries, and the development of the service industry is showing a strong momentum. From the perspective of future development, China's economy will gradually change from industrial economy to service economy. Capital support is the guarantee to realize the rapid development of service industry. In order to realize the rapid development of our country's service industry, higher requirements are put forward to the financial service ability. The research focus of this paper is to explore how financial support can promote the development of the service industry, and put forward some suggestions on how to promote the rapid development of the service industry through the function of financial industry support, combining with the present situation of financial development in China. Financial support can promote the development of service industry in the following aspects: financial support helps to improve the efficiency of transactions, promote the specialization of the market, and promote the rapid development of the service industry in the process of market segmentation and specialization; Financial support is a necessary condition for technological innovation. Through the functions of capital gathering, financial market risk management and other functions, finance has realized the financial support to the emerging technology industry and the renewal and transformation of the traditional industry, thus providing a good condition for technological innovation. Finance is an important means for the government to achieve industrial intervention. The market economy is out of order and the spontaneous regulation function can not solve all the market problems. It needs government intervention and adjustment in time. The ways for the government to realize the upgrading of industrial structure through financial regulation mainly include policy-oriented finance, credit preference policy, differential interest rate policy and the industrial choice function of the restriction of capital market access, and finance is the motive force to guide the upgrading of consumer demand. With the help of the development of network information technology, the financial development can improve the market service ability and stimulate the consumer's service consumption demand. At the same time, the support of financial policies such as consumer credit realizes the intertemporal allocation of financial assets, comprehensively promotes consumer consumption ability, realizes the constant upgrading of consumption structure, and becomes an important force leading the upgrading of industrial structure. It is an inevitable requirement to optimize the industrial structure of service industry to improve the ability of financial service in an all-round way. This paper puts forward the following suggestions: to accelerate the improvement of the financial system, to build a good soft environment for the financial development, to increase the support of bank credit funds to the service industry, and to enhance the ability of financial innovation, etc.
【學(xué)位授予單位】：山東大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F719;F832.4

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