發(fā)布時間：2018-05-26 23:10

  本文選題：信貸結(jié)構(gòu) + 經(jīng)濟(jì)增長　； 參考：《蘭州商學(xué)院》2012年碩士論文

【摘要】：美國次貸危機(jī)后，陜西省在認(rèn)真貫徹執(zhí)行國家貨幣政策的同時，緊緊圍繞全省經(jīng)濟(jì)社會發(fā)展總體目標(biāo)，采取各種措施力促經(jīng)濟(jì)穩(wěn)定增長。同時，金融機(jī)構(gòu)結(jié)合地方經(jīng)濟(jì)發(fā)展實際，加大信貸投放力度，使信貸投入穩(wěn)定增長，發(fā)揮了積極地推動作用。但數(shù)據(jù)顯示，，陜西省信貸投放總量仍然不能滿足經(jīng)濟(jì)全面發(fā)展的需要，同時，信貸投放結(jié)構(gòu)亦呈現(xiàn)不均衡分布，如因產(chǎn)業(yè)結(jié)構(gòu)不合理、區(qū)域經(jīng)濟(jì)發(fā)展不平衡導(dǎo)致的信貸投放結(jié)構(gòu)失衡，貸款投向行業(yè)集中現(xiàn)象明顯，中小企業(yè)及微型企業(yè)貸款難等問題依然存在。 本文旨在通過對陜西省信貸總量、信貸期限結(jié)構(gòu)、信貸區(qū)域結(jié)構(gòu)、信貸產(chǎn)業(yè)結(jié)構(gòu)進(jìn)行分析，運用實證檢驗的方法對信貸結(jié)構(gòu)與經(jīng)濟(jì)增長的相關(guān)性進(jìn)行了檢驗，結(jié)果表明，（1）陜西省信貸支出總量與經(jīng)濟(jì)增長之間存在長期的均衡關(guān)系，并且貸款總量與經(jīng)濟(jì)增長之間存在單向的格蘭杰因果關(guān)系；（2）就信貸期限結(jié)構(gòu)與經(jīng)濟(jì)增長的相關(guān)性來看，短期貸款和中長期貸款對經(jīng)濟(jì)增長的影響都是正向的，但中長期貸款對經(jīng)濟(jì)增長的作用不及短期貸款顯著；（3）就貸款產(chǎn)業(yè)結(jié)構(gòu)與經(jīng)濟(jì)增長的相關(guān)性來看，陜西省的工業(yè)貸款、商業(yè)貸款及農(nóng)業(yè)貸款同經(jīng)濟(jì)增長都呈現(xiàn)同向變動關(guān)系，相比而言，商業(yè)貸款對經(jīng)濟(jì)增長的貢獻(xiàn)度最高，工業(yè)貸款次之，農(nóng)業(yè)貸款的貢獻(xiàn)度較低且具有滯后性；（4）從信貸投放區(qū)域結(jié)構(gòu)看，陜西省各地州市的信貸投放對經(jīng)濟(jì)增長的貢獻(xiàn)度具有差異性，但整體呈現(xiàn)區(qū)域性，具體表現(xiàn)為，關(guān)中地區(qū)信貸支出對經(jīng)濟(jì)增長的貢獻(xiàn)最大，陜北地區(qū)次之，陜南地區(qū)較差。通過以上分析結(jié)果對陜西省經(jīng)濟(jì)增長中的信貸投放中存在的問題進(jìn)行深層次的挖掘，并提出相關(guān)對策建議。
[Abstract]:After the subprime mortgage crisis in the United States, Shaanxi Province, while earnestly carrying out the national monetary policy, took various measures to promote the steady growth of the economy closely around the overall goal of the province's economic and social development. At the same time, the financial institutions combined with the actual development of the local economy, increase the intensity of credit, make the credit investment increase steadily, and play an active role in promoting. However, the data show that the total amount of credit in Shaanxi Province is still unable to meet the needs of overall economic development, and at the same time, the structure of credit investment also presents an uneven distribution, for example, because of the unreasonable industrial structure, The imbalance of the credit supply structure caused by the unbalanced development of regional economy, the obvious phenomenon of the concentration of loans to the industry, and the difficulty of lending to small and medium-sized enterprises and microenterprises still exist. The purpose of this paper is to test the correlation between credit structure and economic growth by analyzing the total amount of credit, the term structure of credit, the regional structure of credit and the structure of credit industry in Shaanxi Province. The results show that there is a long-term equilibrium relationship between total credit expenditure and economic growth in Shaanxi Province, and there is a one-way Granger causality relationship between total loan amount and economic growth. The effects of short-term loans and medium- and long-term loans on economic growth are both positive, but the effects of medium- and long-term loans on economic growth are not as significant as short-term loans.) in terms of the correlation between the industrial structure of loans and economic growth, industrial loans in Shaanxi Province, Commercial loans and agricultural loans are in the same direction as economic growth. In contrast, commercial loans contribute the most to economic growth, followed by industrial loans. From the view of the regional structure of credit delivery, the contribution of credit to economic growth in all parts of Shaanxi Province is different, but the overall contribution is regional. The contribution of credit expenditure to economic growth in Guanzhong region is the largest, followed by northern Shaanxi and southern Shaanxi. Through the above analysis results, the problems existing in Shaanxi province's economic growth are excavated deeply, and the relevant countermeasures and suggestions are put forward.
【學(xué)位授予單位】：蘭州商學(xué)院
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2012
【分類號】：F832.4;F127;F224

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本文編號：1939325