本文選題：銀行信貸 + 流動(dòng)性失衡　； 參考：《安徽財(cái)經(jīng)大學(xué)》2014年碩士論文

【摘要】：長(zhǎng)期以來,流動(dòng)性失衡問題一直是各國關(guān)注和研究的焦點(diǎn)。在我國,為改變出口導(dǎo)向型經(jīng)濟(jì)增長(zhǎng)模式,刺激投資、拉動(dòng)內(nèi)需,政府采取了一系列擴(kuò)張政策,加之國際收支雙順差格局,中央銀行被動(dòng)投放基礎(chǔ)貨幣,逐步形成了我國宏觀流動(dòng)性過剩的局面。2008年美國次貸危機(jī)爆發(fā),為快速走出金融危機(jī)陰影,中央政府采取了一系列刺激措施,特別是2009年的四萬億刺激計(jì)劃,使得“貨幣超發(fā)”問題一度引起熱議,加劇了我國經(jīng)濟(jì)體系內(nèi)流動(dòng)性過剩狀況。就在整個(gè)宏觀流動(dòng)性總量過剩的背景下,我國卻出現(xiàn)了產(chǎn)能過剩、房?jī)r(jià)高企、銀行“錢荒”、小微企業(yè)融資困難等一系列反映出我國流動(dòng)性結(jié)構(gòu)失衡的問題。如何深入認(rèn)識(shí)這些問題,了解我國流動(dòng)性失衡基本狀況,找出引發(fā)失衡的原因并給予合理對(duì)策建議是本文研究的主要內(nèi)容。 本文以銀行信貸為視角,首先,對(duì)信貸和流動(dòng)性失衡的相關(guān)文獻(xiàn)和理論進(jìn)行了回顧和梳理,并結(jié)合我國實(shí)際情況闡述了我國商業(yè)銀行信貸業(yè)務(wù)的重要性,這也是論文選取該視角作為研究主線的重要原因；其次,從銀行信貸總量、信貸期限結(jié)構(gòu)、信貸流向三個(gè)方面對(duì)我國目前的流動(dòng)性失衡現(xiàn)狀進(jìn)行了深入分析,得出了在宏觀流動(dòng)性過剩環(huán)境下,我國出現(xiàn)了虛擬經(jīng)濟(jì)體系流動(dòng)性過剩與實(shí)體經(jīng)濟(jì)流動(dòng)性相對(duì)不足,以及實(shí)體經(jīng)濟(jì)體系內(nèi)部,部分行業(yè)、企業(yè)流動(dòng)性過剩而小微企業(yè)流動(dòng)性不足的結(jié)論,并從商業(yè)銀行、資本市場(chǎng)、社會(huì)信用體系建設(shè)和企業(yè)自身這四個(gè)方面總結(jié)了產(chǎn)生流動(dòng)性失衡的原因；再次,分別選取了總量指標(biāo)和結(jié)構(gòu)指標(biāo)通過平穩(wěn)性檢驗(yàn)、協(xié)整檢驗(yàn)、脈沖響應(yīng)分析等,實(shí)證檢驗(yàn)了上述結(jié)論中所表述的信貸引發(fā)實(shí)體經(jīng)濟(jì)、虛擬經(jīng)濟(jì)流動(dòng)性總量及結(jié)構(gòu)失衡的相互關(guān)系；最后,對(duì)論文所得結(jié)論進(jìn)行總結(jié),并根據(jù)產(chǎn)生流動(dòng)性失衡的原因,有針對(duì)性的提出相關(guān)對(duì)策建議。
[Abstract]:For a long time, liquidity imbalance has been the focus of attention and research. In China, in order to change the export-oriented economic growth model, stimulate investment and stimulate domestic demand, the government has adopted a series of expansionary policies, in addition to the pattern of double surplus in the balance of payments, the central bank has passively put in the basic currency. In 2008, the subprime mortgage crisis broke out in the United States. In order to quickly get out of the shadow of the financial crisis, the central government adopted a series of stimulus measures, especially the 4 trillion stimulus plan in 2009. As a result, the issue of "currency overshoot" once aroused heated debate, aggravated the excess liquidity situation in our economic system. Under the background of the total excess of macro liquidity in China, a series of problems such as overcapacity, high house prices, "money shortage" in banks, financing difficulties of small and micro enterprises and so on reflect the imbalance of liquidity structure in China. How to deeply understand these problems, understand the basic situation of China's liquidity imbalance, find out the causes of the imbalance and give reasonable countermeasures and suggestions are the main contents of this paper. From the perspective of bank credit, this paper reviews and combs the relevant literatures and theories about the imbalance between credit and liquidity, and expounds the importance of credit business of commercial banks in our country according to the actual situation of our country. This is also an important reason for the thesis to select this perspective as the main line of study. Secondly, from three aspects of the total amount of bank credit, the term structure of credit, and the flow of credit, the paper makes a deep analysis of the current situation of liquidity imbalance in China. It is concluded that under the environment of macro excess liquidity, the virtual economy system liquidity excess and the real economy liquidity are relatively insufficient, as well as some industries within the real economy system. The conclusion of excess liquidity of enterprises and illiquidity of small and micro enterprises, and from the commercial banks, capital markets, social credit system construction and enterprises themselves, summed up the causes of liquidity imbalance. Through the stationary test, cointegration test, impulse response analysis and so on, the aggregate index and the structure index are selected to test the credit-induced real economy as expressed in the above conclusions. The relationship between the total amount of liquidity and the structural imbalance of virtual economy. Finally, the conclusion of the paper is summarized, and according to the reasons of the liquidity imbalance, the relevant countermeasures and suggestions are put forward.
【學(xué)位授予單位】：安徽財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.33;F832.4

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本文編號(hào)：2056590