發(fā)布時(shí)間：2018-05-05 02:00

  本文選題：存款準(zhǔn)備金率 + 產(chǎn)業(yè)結(jié)構(gòu)優(yōu)化��； 參考：《新疆社會(huì)科學(xué)》2017年05期

【摘要】：文章運(yùn)用誤差值修正模型研究了法定存款準(zhǔn)備金調(diào)整對(duì)第三產(chǎn)業(yè)產(chǎn)出占比的影響,并構(gòu)建了以銀行業(yè)金融機(jī)構(gòu)資產(chǎn)結(jié)構(gòu)調(diào)整為基礎(chǔ)的法定存款準(zhǔn)備金率調(diào)整效應(yīng)傳導(dǎo)機(jī)制。實(shí)證檢驗(yàn)表明,降低法定存款準(zhǔn)備金率可以促進(jìn)經(jīng)濟(jì)總量增長,但并不能優(yōu)化產(chǎn)業(yè)結(jié)構(gòu);提高法定存款準(zhǔn)備金率抑制經(jīng)濟(jì)過熱,但可以優(yōu)化產(chǎn)業(yè)結(jié)構(gòu)。為了使法定存款準(zhǔn)備金調(diào)整同時(shí)兼顧經(jīng)濟(jì)總量增長和經(jīng)濟(jì)結(jié)構(gòu)調(diào)整,應(yīng)該協(xié)同財(cái)政、貨幣和監(jiān)管政策,適當(dāng)降低貸款收益/流動(dòng)性比率與總資產(chǎn)收益/流動(dòng)性比率的差值、適當(dāng)降低全部貸款收益/流動(dòng)性比率與降低第三產(chǎn)業(yè)貸款收益/流動(dòng)性比率的差值,逐步提高第三產(chǎn)業(yè)貸款的收益率和第三產(chǎn)業(yè)產(chǎn)出的邊際資本報(bào)酬率。
[Abstract]:Using the error correction model, this paper studies the effect of the adjustment of the legal reserve on the output of the tertiary industry, and constructs the transmission mechanism of the regulatory effect of the legal reserve ratio on the basis of the adjustment of the asset structure of the banking financial institutions. The empirical test shows that reducing the legal reserve ratio can promote the total economic growth, but it can not optimize the industrial structure, and raise the statutory reserve ratio to restrain the overheating of the economy, but to optimize the industrial structure. In order to adjust the statutory reserve for deposits at the same time as economic aggregate growth and economic restructuring, the difference between the loan income / liquidity ratio and the total asset income / liquidity ratio should be appropriately reduced in coordination with fiscal, monetary and regulatory policies. The difference between the total loan income / liquidity ratio and the tertiary industry loan income / liquidity ratio should be reduced and the rate of return on loans and marginal return on capital of tertiary industry output should be gradually increased.
【作者單位】： 中國人民銀行銀川中心支行;
【基金】：中國人民銀行銀川中心支行青年課題(2016年度)的研究成果
【分類號(hào)】：F121.3;F832

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本文編號(hào)：1845667