本文關(guān)鍵詞：安徽省信貸結(jié)構(gòu)對經(jīng)濟發(fā)展影響研究　出處：《安徽理工大學》2013年碩士論文　論文類型：學位論文

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【摘要】：在經(jīng)濟發(fā)展進程中,金融扮演著重要角色。而金融推動經(jīng)濟發(fā)展的作用機制具體體現(xiàn)為市場機制對閑散資金的合理配置,其中金融機構(gòu)發(fā)揮著吸收社會閑散資金的作用。市場經(jīng)濟的融資方式分為直接融資和間接融資,在中國,主要是依靠銀行信貸吸收社會閑散資金再進行合理的配置。因而,與以銀行信貸為主的間接融資方式相比之下,資本市場的發(fā)展規(guī)模仍然較小,同時合理的信貸結(jié)構(gòu)是資金得以有效配置的前提。所以,基于信貸結(jié)構(gòu)對經(jīng)濟發(fā)展的影響進行研究,調(diào)整信貸結(jié)構(gòu)以促進經(jīng)濟增長,從而推動經(jīng)濟發(fā)展具有理論意義和現(xiàn)實意義。 本文以安徽省信貸結(jié)構(gòu)對經(jīng)濟發(fā)展的影響為研究對象,基于經(jīng)濟發(fā)展理論與貨幣經(jīng)濟理論的理論基礎(chǔ),闡述了信貸結(jié)構(gòu)對于經(jīng)濟發(fā)展的作用機制。其次分析了安徽省信貸結(jié)構(gòu)與經(jīng)濟發(fā)展現(xiàn)狀,并對安徽省信貸結(jié)構(gòu)對經(jīng)濟發(fā)展的影響做了偏相關(guān)分析。分析內(nèi)容分為三部分,分別從信貸產(chǎn)業(yè)結(jié)構(gòu)對經(jīng)濟發(fā)展的影響、信貸期限結(jié)構(gòu)對經(jīng)濟發(fā)展的影響和信貸區(qū)域結(jié)構(gòu)對經(jīng)濟發(fā)展的影響三方面加以研究。由于國內(nèi)生產(chǎn)總值是經(jīng)濟發(fā)展的重要的因素,因而通過統(tǒng)計學中的偏相關(guān)分析對安徽省信貸結(jié)構(gòu)與國內(nèi)生產(chǎn)總值的關(guān)系做了分析,得出各結(jié)構(gòu)因素與安徽省國內(nèi)生產(chǎn)總值的相關(guān)性系數(shù)�？偨Y(jié)了信貸產(chǎn)業(yè)結(jié)構(gòu)不平衡問題、信貸期限結(jié)構(gòu)不平衡問題和信貸區(qū)域結(jié)構(gòu)不平衡問題,這些問題都將影響安徽省經(jīng)濟發(fā)展的步伐。通過對安徽省信貸結(jié)構(gòu)中的問題進行細化地分析,提出了要重組風險定價與信貸決策機制,構(gòu)建多元化融資體系,改善金融生態(tài)環(huán)境,營造和諧的政策環(huán)境,使安徽省信貸結(jié)構(gòu)能更有效地促進經(jīng)濟發(fā)展。
[Abstract]:In the process of economic development, finance plays an important role. The mechanism and finance to promote economic development embodied in the rational allocation of the market mechanism of idle funds, the financial institutions play a role. Absorb idle funds in the society of market economy financing is divided into direct financing and indirect financing in China, mainly rely on bank credit to absorb idle funds by reasonable configuration. Therefore, compared with the indirect financing to bank credit based, the scale of development of the capital market is still small, the credit structure is reasonable and effective allocation of funds to the premise. Therefore, to study the impact of the credit structure on economic development based on the adjustment of credit structure to promote economic growth, promote economic development has theoretical significance and practical significance.
This paper takes Anhui province credit structure influence on the economic development as the research object, theory foundation and monetary economic development based on the economic theory, expounds the mechanism of the credit structure in economic development. Secondly analyzes the development status of Anhui Province, the credit structure and economy, and the influence on the economic development of Anhui Province credit structure made partial analysis of correlation analysis. The content is divided into three parts, respectively from the credit industry structure influence on the economic development, the impact of the credit term structure influence on the economic development and regional credit structure on economic development in three areas to study. Because GDP is an important factor in economic development, thus through partial correlation analysis in statistics the relationship of Anhui province credit structure and GDP is analyzed, the correlation coefficient of GDP to obtain the structural factors of Anhui province and the total node. The credit industry structure imbalance, the term structure of credit and credit structure imbalance regional imbalance, these problems will affect the pace of economic development in Anhui province. Detailed analysis of Anhui province through the credit structure of the problem, put forward to restructuring risk pricing and credit decision mechanism, building a diversified financing system and improve the financial ecological environment, create a harmonious policy environment, make Anhui province credit structure can effectively promote economic development.

【學位授予單位】：安徽理工大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F832.4;F127

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