本文選題：信貸政策 + 產(chǎn)業(yè)結(jié)構(gòu)調(diào)整��； 參考：《湖南大學》2014年碩士論文

【摘要】：“十二五”時期，國際國內(nèi)形勢正在發(fā)生深刻變化，我國經(jīng)濟社會發(fā)展呈現(xiàn)出新的階段性特征。為使經(jīng)濟協(xié)調(diào)發(fā)展，國家適時出臺了一系列產(chǎn)業(yè)優(yōu)化政策，對促進產(chǎn)業(yè)結(jié)構(gòu)優(yōu)化升級，促進信貸與產(chǎn)業(yè)政策的協(xié)調(diào)配合提出了新的戰(zhàn)略任務(wù)。因此，了解信貸作用于產(chǎn)業(yè)結(jié)構(gòu)調(diào)整的內(nèi)在機制，研究信貸政策對產(chǎn)業(yè)結(jié)構(gòu)調(diào)整的影響，對加速我國產(chǎn)業(yè)化進程、促進經(jīng)濟健康穩(wěn)定發(fā)展具有十分重大的理論價值與實踐意義。 本文按照“發(fā)現(xiàn)問題→分析問題→解決問題”的研究思路，對信貸政策影響產(chǎn)業(yè)結(jié)構(gòu)調(diào)整的問題，從理論發(fā)展、現(xiàn)實考察與實踐應(yīng)用三個方面進行了多渠道、廣層面的論述和研究。首先，在界定相關(guān)概念的基礎(chǔ)上，分別分析并闡述信貸政策調(diào)整產(chǎn)業(yè)結(jié)構(gòu)的作用機理與影響因素；其次，系統(tǒng)梳理我國1978年以來的信貸政策變遷，及其影響下的產(chǎn)業(yè)發(fā)展與產(chǎn)業(yè)結(jié)構(gòu)調(diào)整概況；再次，運用計量經(jīng)濟學方法，構(gòu)建非線性門限回歸模型，考察我國不同信貸政策對產(chǎn)業(yè)結(jié)構(gòu)在力度、方向等方面的影響；最后，基于研究結(jié)果，有針對性地提出能夠使我國信貸政策更好地作用于產(chǎn)業(yè)結(jié)構(gòu)調(diào)整的對策建議。 研究發(fā)現(xiàn)，，信貸政策對產(chǎn)業(yè)結(jié)構(gòu)調(diào)整的影響存在門限效應(yīng)。金融機構(gòu)各項貸款余額的不斷增加，對第一、二產(chǎn)業(yè)產(chǎn)值比重增加的影響始終為正，但程度不同。而當其增加到一定水平時，對第三產(chǎn)業(yè)產(chǎn)值比重增加的影響才由負轉(zhuǎn)正，但明顯弱于第一、二產(chǎn)業(yè)。因此，可以考慮從突出對產(chǎn)業(yè)政策支持部門的信貸傾斜、建立與優(yōu)化商業(yè)銀行信貸決策程序、開發(fā)具有產(chǎn)業(yè)特色的信貸產(chǎn)品以及加強與產(chǎn)業(yè)政策的協(xié)調(diào)配合四個方面，優(yōu)化調(diào)整我國產(chǎn)業(yè)結(jié)構(gòu)的信貸政策選擇。
[Abstract]:In the "12th Five-Year" period, the international and domestic situation is undergoing profound changes, and the economic and social development of our country has presented a new stage characteristic. In order to make the economy develop harmonizes, the state has issued a series of industrial optimization policies in time, and put forward a new strategic task to promote the optimization and upgrading of the industrial structure and promote the coordination and coordination of credit and industrial policy. Therefore, it is of great theoretical and practical significance to understand the internal mechanism of credit action on industrial structure adjustment, to study the impact of credit policy on industrial structure adjustment, to accelerate the process of industrialization in China and to promote the healthy and stable development of the economy.
In accordance with the research ideas of "finding problems, analyzing problems and solving problems", this paper makes a multichannel and extensive discussion and Research on the influence of credit policy on the adjustment of industrial structure from three aspects: theoretical development, practical investigation and practical application. First, on the basis of defining relevant concepts, the credit policy is analyzed and expounded respectively. The mechanism and influencing factors of the industrial structure are adjusted. Secondly, the changes of credit policy in China since 1978, and the general situation of industrial development and industrial structure adjustment under the influence of China are systematically reviewed. Thirdly, the nonlinear threshold regression model is constructed by using econometrics methods, and the strength of the industrial structure of different credit policies in China is investigated. In the end, based on the results of the research, we put forward some suggestions to make the credit policy of our country better play a role in the adjustment of industrial structure.
The study found that there is a threshold effect on the impact of credit policy on the adjustment of industrial structure. The increasing impact of the balance of the financial institutions on the increase in the proportion of the output value of the first, second industry is always positive, but in a different degree. When it is increased to a certain level, the impact on the increase in the proportion of the output value of the third industry is negative, but it is obviously weak. It is in the first, second industry. Therefore, we can consider the credit policy of the industry policy support departments, establish and optimize the credit decision-making process of commercial banks, develop credit products with industrial characteristics and strengthen coordination and coordination with industrial policies in four aspects, and optimize the choice of credit policy to adjust the industrial structure of our country.
【學位授予單位】：湖南大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F832.4;F121.3

【參考文獻】

相關(guān)期刊論文 前10條

1 葉蓁;;中國貨幣政策產(chǎn)業(yè)異質(zhì)性及其決定因素——基于上市公司面板數(shù)據(jù)的實證分析[J];財經(jīng)論叢;2010年01期

2 楊琳,李建偉;金融結(jié)構(gòu)轉(zhuǎn)變與實體經(jīng)濟結(jié)構(gòu)升級(上)[J];財貿(mào)經(jīng)濟;2002年02期

3 楊琳,李建偉;金融結(jié)構(gòu)轉(zhuǎn)變與實體經(jīng)濟結(jié)構(gòu)升級(下)[J];財貿(mào)經(jīng)濟;2002年03期

4 曹嘯,吳軍;我國金融發(fā)展與經(jīng)濟增長關(guān)系的格蘭杰檢驗和特征分析[J];財貿(mào)經(jīng)濟;2002年05期

5 郭明;錢箏箏;黃順緒;;我國銀行信貸對三次產(chǎn)業(yè)增長貢獻度的差異研究[J];產(chǎn)業(yè)經(jīng)濟研究;2009年01期

6 ;產(chǎn)業(yè)政策與財政貨幣政策關(guān)系研究[J];財政研究;1998年10期

7 楊達;;中國貨幣政策的產(chǎn)業(yè)非對稱效應(yīng)——基于門限向量自回歸模型的實證研究[J];東北大學學報(社會科學版);2011年05期

8 張旭,伍海華;論產(chǎn)業(yè)結(jié)構(gòu)調(diào)整中的金融因素——機制、模式與政策選擇[J];當代財經(jīng);2002年01期

9 劉梅生;;我國銀行信貸與產(chǎn)業(yè)結(jié)構(gòu)變動關(guān)系的實證研究[J];南方金融;2009年07期

10 張湘贛;;產(chǎn)業(yè)結(jié)構(gòu)調(diào)整:中國經(jīng)驗與國際比較——中國工業(yè)經(jīng)濟學會2010年年會學術(shù)觀點綜述[J];中國工業(yè)經(jīng)濟;2011年01期

本文編號：2016566