本文關(guān)鍵詞：黑龍江省銀行信貸結(jié)構(gòu)與產(chǎn)業(yè)升級(jí)關(guān)聯(lián)性研究　出處：《哈爾濱商業(yè)大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

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【摘要】：我國(guó)經(jīng)濟(jì)經(jīng)過改革開放快速發(fā)展,已經(jīng)逐步從擴(kuò)張數(shù)量轉(zhuǎn)向提高效益、調(diào)整合理結(jié)構(gòu),深化金融體制改革已成為經(jīng)濟(jì)體制改革的重頭戲。但黑龍江經(jīng)濟(jì)仍缺乏持續(xù)增長(zhǎng)的亮點(diǎn),產(chǎn)業(yè)結(jié)構(gòu)的不合理化制約著其快速發(fā)展,深化黑龍江金融改革、優(yōu)化產(chǎn)業(yè)結(jié)構(gòu)升級(jí)已成為改革黑龍江經(jīng)濟(jì)體制及調(diào)整經(jīng)濟(jì)結(jié)構(gòu)戰(zhàn)略的成敗關(guān)鍵。作為金融體制及經(jīng)濟(jì)核心,銀行業(yè)應(yīng)發(fā)揮信貸支持作用,積極推動(dòng)產(chǎn)業(yè)結(jié)構(gòu)優(yōu)化升級(jí)。研究探索銀行信貸結(jié)構(gòu)與產(chǎn)業(yè)升級(jí)的關(guān)聯(lián)性,對(duì)于調(diào)整黑龍江信貸結(jié)構(gòu)、促進(jìn)產(chǎn)業(yè)優(yōu)化升級(jí)具有重要的理論和現(xiàn)實(shí)意義。 以往文獻(xiàn),大多數(shù)學(xué)者從單一角度金融發(fā)展對(duì)經(jīng)濟(jì)增長(zhǎng)的影響,或者只是研究金融對(duì)產(chǎn)業(yè)的影響,很少有學(xué)者將銀行信貸結(jié)構(gòu)與產(chǎn)業(yè)結(jié)構(gòu)升級(jí)間的關(guān)聯(lián)性作為一個(gè)獨(dú)立問題研究。因此,銀行信貸結(jié)構(gòu)與產(chǎn)業(yè)升級(jí)關(guān)聯(lián)機(jī)理的深入研究,加強(qiáng)對(duì)信貸作用于產(chǎn)業(yè)升級(jí)內(nèi)在機(jī)制的了解,對(duì)制定科學(xué)合理的金融戰(zhàn)略,及調(diào)整升級(jí)經(jīng)濟(jì)結(jié)構(gòu)、保證黑龍江經(jīng)濟(jì)長(zhǎng)期穩(wěn)定發(fā)展具有深遠(yuǎn)意義。 本文在采用定性與定量分析的同時(shí),結(jié)合黑龍江省經(jīng)濟(jì)現(xiàn)狀,理論與實(shí)證分析相結(jié)合,結(jié)合黑龍江省信貸與產(chǎn)業(yè)結(jié)構(gòu)的實(shí)際情況,探究研究銀行信貸結(jié)構(gòu)與產(chǎn)業(yè)升級(jí)的作用機(jī)理,構(gòu)造其多變量VAR模型,并根據(jù)協(xié)整檢驗(yàn)、Granger因果檢驗(yàn),對(duì)銀行信貸結(jié)構(gòu)與產(chǎn)業(yè)升級(jí)的關(guān)系進(jìn)行實(shí)證研究,證明銀行信貸結(jié)構(gòu)與產(chǎn)業(yè)結(jié)構(gòu)間的相關(guān)關(guān)系,得出結(jié)論：合理的銀行信貸結(jié)構(gòu)與優(yōu)化產(chǎn)業(yè)結(jié)構(gòu)是相互協(xié)調(diào)、相互促進(jìn)的,信貸結(jié)構(gòu)的調(diào)整直接影響產(chǎn)業(yè)產(chǎn)值的變化。最后,根據(jù)實(shí)證結(jié)果提出了優(yōu)化產(chǎn)業(yè)結(jié)構(gòu)調(diào)整的信貸政策選擇。 本文系統(tǒng)完善地揭示了黑龍江銀行信貸結(jié)構(gòu)與產(chǎn)業(yè)升級(jí)的作用機(jī)理與相互影響關(guān)系,這對(duì)產(chǎn)業(yè)結(jié)構(gòu)調(diào)整有極大幫助。針對(duì)黑龍江省特色產(chǎn)業(yè)結(jié)構(gòu)制定與之相應(yīng)的合理的信貸政策,差別有效的政策可使產(chǎn)業(yè)協(xié)調(diào)發(fā)展,發(fā)揮信貸結(jié)構(gòu)積極的推動(dòng)作用,實(shí)現(xiàn)產(chǎn)業(yè)結(jié)構(gòu)的優(yōu)化升級(jí)。
[Abstract]:China's economic rapid development after the reform and opening up, has been gradually from quantity expansion to improve efficiency, adjust the structure, deepening the reform of the financial system has become the highlight of economic reform. But Heilongjiang's economy is still lack of sustained growth, unreasonable industrial structure restricts the rapid development of Heilongjiang, deepen financial reform, optimize and upgrade the industrial the structure has become the key to the success of Heilongjiang's economic system reform and economic restructuring strategy. As the financial system and economic core, the banking industry should play the role of credit support, and actively promote the optimization and upgrading of industrial structure. Correlation research of bank credit structure and industrial upgrading, Heilongjiang for the adjustment of credit structure, promote industrial optimization has important theory and the practical significance of the upgrade.
In previous literature, most scholars from a single point of financial development on economic growth, or just study the financial impact on the industry, and few scholars have an independent research association of bank credit structure and industrial structure upgrading between as. Therefore, in-depth study of bank credit structure and industrial upgrading related mechanism, strengthen credit effect on the industrial upgrading mechanism of understanding, to establish scientific and reasonable financial strategy, adjustment and upgrading of economic structure, to ensure long-term stable development of Heilongjiang economy has far-reaching significance.
In this paper, using qualitative and quantitative analysis at the same time, combined with the current economic situation in Heilongjiang Province, the combination of theoretical and empirical analysis, combined with the actual situation of credit and industrial structure of Heilongjiang Province, to study the mechanism of bank credit structure and industrial upgrading, construct the multivariable VAR model and cointegration test, Granger causality test, carried out an empirical study on the relationship between bank credit structure and industrial upgrading, the correlation between bank credit structure and industrial structure, the conclusion: bank credit structure and optimize the industrial structure is reasonable mutual coordination, mutual promotion, adjust credit structure directly influence the change of industrial output value. Finally, according to the empirical results put forward optimization the industrial structure adjustment of the credit policy.
This paper reveals the mechanism of improving Heilongjiang bank credit structure and industrial upgrading and the relationship between them, it is of great help for the adjustment of industrial structure in Heilongjiang province. According to the characteristics of the industrial structure to make reasonable credit policy and the corresponding differences, effective policy can make the coordinated development of the industry, the credit structure play a positive role in promoting. To achieve the optimization and upgrading of industrial structure.

【學(xué)位授予單位】：哈爾濱商業(yè)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.4;F127

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