本文關(guān)鍵詞： 晉商銀行 煤炭企業(yè)轉(zhuǎn)型 金融支持 結(jié)構(gòu)方程　出處：《蘭州財經(jīng)大學(xué)》2017年碩士論文　論文類型：學(xué)位論文

【摘要】：山西有巨大的煤炭儲量,煤炭產(chǎn)業(yè)對本省GDP的貢獻(xiàn)占很大比例。這種資源主導(dǎo)的經(jīng)濟雖然不斷保持山西經(jīng)濟的快速步伐,但對山西經(jīng)濟長期可持續(xù)增長如同麻醉劑一般,形成了許多后患。煤炭開采的過熱導(dǎo)致了人們失去了對其他經(jīng)濟行為的積極性,使得經(jīng)濟結(jié)構(gòu)單一,抗風(fēng)險能力差。如今,山西的金融市場和機構(gòu)已經(jīng)具有一定規(guī)模,尤其是銀行已經(jīng)遍布各地,但對煤炭企業(yè)的轉(zhuǎn)型沒有起到支撐性作用,此問題艱巨而又勢在必得。解決此任務(wù)不僅可以改善山西的經(jīng)濟增長也可以為其他資源省份提供借鑒幫助。晉商銀行原名為太原市商業(yè)銀行,2009年改名成立組建,是山西體量最大的城市商業(yè)銀行,以太原為中心發(fā)展拓展到省內(nèi)各個地市,其主要股東為山西省財政廳、太原市財政局和一些大型的煤炭集團,例如潞安集團、山西晉城無煙煤礦業(yè)集團、山西焦煤集團等,其對煤炭企業(yè)的發(fā)展轉(zhuǎn)型的作用不容忽視。但晉商銀行對山西煤炭產(chǎn)業(yè)轉(zhuǎn)型貢獻(xiàn)作用相關(guān)的影響因素有待我們的發(fā)現(xiàn)和考證。本文研究晉商銀行和山西煤炭企業(yè)二者業(yè)務(wù)聯(lián)系,對晉商銀行支持山西煤炭企業(yè)轉(zhuǎn)型的措施和途徑列出了幾項建議。文章結(jié)構(gòu)如下:第一部分為緒論,描述調(diào)研背景,提出調(diào)研目的和意義,并對國內(nèi)外觀點展開綜述;第二部分對金融支持和產(chǎn)業(yè)轉(zhuǎn)型的相關(guān)理論進(jìn)行了簡要的論述;第三部在探討供給側(cè)改革下煤炭企業(yè)轉(zhuǎn)型放向的基礎(chǔ)上,明確煤炭企業(yè)產(chǎn)業(yè)轉(zhuǎn)型的必要性并發(fā)掘山西煤炭企業(yè)面臨的融資困境;第四部分站在資金供給方的角度,用杜邦分解法拆分晉商銀行的財務(wù)指標(biāo),并指出其發(fā)展情況、股東分布、不良貸款程度和放貸過程中存在的問題以及盈利能力的變化;第五部分進(jìn)行調(diào)研設(shè)計和問卷數(shù)據(jù)分析,對晉商銀行和其煤炭企業(yè)客戶開展問卷調(diào)查,并將所得數(shù)據(jù)統(tǒng)計整理,分析晉商銀行對煤炭企業(yè)轉(zhuǎn)型金融支持存在的問題;第六部分運用了問卷得到的統(tǒng)計數(shù)據(jù),構(gòu)建結(jié)構(gòu)方程模型,運用SPSS、Amos等統(tǒng)計軟件實證分析了晉商銀行對山西煤炭企業(yè)轉(zhuǎn)型的金融支持的影響因素,并解釋其現(xiàn)象。第七章討論研究結(jié)果,并針對晉商銀行和煤炭企業(yè)提出相關(guān)建議。
[Abstract]:Shanxi has huge coal reserves, and the coal industry contributes a large proportion to the province's GDP. Although this resource-led economy keeps the rapid pace of Shanxi's economy, it is like an anesthetic for the long-term sustainable growth of Shanxi's economy. The overheating of coal mining has caused people to lose their enthusiasm for other economic activities, resulting in a single economic structure and poor ability to resist risks. Today, the financial markets and institutions in Shanxi have a certain scale. Banks, in particular, have spread all over the country, but they have not played a supporting role in the transformation of coal enterprises. This problem is difficult and necessary. Solving this task can not only improve the economic growth of Shanxi, but also provide reference for other resource provinces. Shanxi Merchants Bank, formerly known as Taiyuan City Commercial Bank, was founded in 2009. Is the largest city commercial bank in Shanxi Province, with Taiyuan as the center of development and expanded to all prefectures and cities in the province, its main shareholders are the Finance Department of Shanxi Province, the Finance Bureau of Taiyuan City and some large coal groups, such as Lu'an Group. Shanxi Jincheng anthracite Mining Group, Shanxi Coking Coal Group, etc., However, the influence factors related to the contribution of Shanxi Commercial Bank to the transformation of Shanxi coal industry need to be discovered and verified. This paper studies the business relationship between Shanxi Commercial Bank and Shanxi Coal Enterprise. This paper lists several suggestions on the measures and ways for Shanxi Commercial Bank to support the transformation of Shanxi coal enterprises. The structure of the article is as follows: the first part is an introduction, describes the research background, proposes the purpose and significance of the investigation, and makes a summary of the domestic and foreign viewpoints; The second part briefly discusses the related theories of financial support and industrial transformation. The third part discusses the transformation direction of coal enterprises under supply-side reform. The necessity of industrial transformation of coal enterprises and the financing difficulties faced by Shanxi coal enterprises are clarified, and the financial indexes of Shanxi commercial banks are broken up by DuPont decomposition method, and their development is pointed out in 4th from the point of view of capital supply. The distribution of shareholders, the degree of non-performing loans and the problems existing in the process of lending, and the change of profitability; 5th part of the survey design and questionnaire data analysis, the Shanxi Merchants Bank and its coal enterprise customers to carry out a questionnaire survey, And statistical analysis of the data obtained to analyze the Shanshang Bank of coal enterprises in the transformation of financial support problems; 6th part of the use of statistical data obtained from the questionnaire to build a structural equation model, This paper empirically analyzes the influencing factors of Shanxi Commercial Bank's financial support to the transformation of Shanxi coal enterprises by using SPSS / Amos and other statistical softwares, and explains its phenomenon. Chapter 7th discusses the research results, and puts forward some relevant suggestions for Shanxi Commercial Bank and coal enterprises.
【學(xué)位授予單位】：蘭州財經(jīng)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F426.21;F832.33

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