發(fā)布時(shí)間：2018-05-18 17:35

  本文選題：信貸投放 + 產(chǎn)業(yè)結(jié)構(gòu)�。� 參考：《內(nèi)蒙古財(cái)經(jīng)大學(xué)》2016年碩士論文

【摘要】：在參閱有關(guān)文獻(xiàn)的過(guò)程中發(fā)現(xiàn),大多數(shù)學(xué)者或是從金融發(fā)展與經(jīng)濟(jì)增長(zhǎng)的關(guān)系進(jìn)行研究,或是以金融中介為視點(diǎn)研究金融中介與產(chǎn)業(yè)結(jié)構(gòu)之間的關(guān)系,而對(duì)于金融域的信貸投放與產(chǎn)業(yè)結(jié)構(gòu)之間的研究卻是很少。因此為了深入研究金融領(lǐng)域中的信貸資金和產(chǎn)業(yè)結(jié)構(gòu)之間的關(guān)系,有必要將其作為一個(gè)獨(dú)立的研究方向,了解信貸資金的使用情況,產(chǎn)業(yè)結(jié)構(gòu)的發(fā)展?fàn)顩r,以及二者究竟有什么樣的內(nèi)在關(guān)聯(lián)性,這對(duì)制定合理的金融策略和優(yōu)化的產(chǎn)業(yè)結(jié)構(gòu)很重要。在研究信貸投放與產(chǎn)業(yè)結(jié)構(gòu)之間的具體關(guān)系之前,我們先對(duì)二者在理論方面的作用機(jī)理進(jìn)行了詳細(xì)的研究,之后采用描述性和統(tǒng)計(jì)性的分析方法,通過(guò)數(shù)據(jù)圖表對(duì)內(nèi)蒙古信貸投放總量情況、信貸投放期限情況和信貸投放產(chǎn)業(yè)結(jié)構(gòu)進(jìn)行了詳細(xì)分析,也通過(guò)類似方法就內(nèi)蒙古產(chǎn)業(yè)結(jié)構(gòu)中的第一產(chǎn)業(yè)、第二產(chǎn)業(yè)和第三產(chǎn)業(yè)的發(fā)展情況進(jìn)行了描述性和統(tǒng)計(jì)性分析。在理論和實(shí)際分析的前提下,本文采用1984—2013年內(nèi)蒙古統(tǒng)計(jì)年鑒以及內(nèi)蒙古統(tǒng)計(jì)局的相關(guān)數(shù)據(jù),對(duì)被解釋變量即:第一產(chǎn)業(yè)、第二產(chǎn)業(yè)、第三產(chǎn)業(yè)與內(nèi)蒙古生產(chǎn)總值的比值,解釋變量即:銀行的實(shí)際貸款總額、銀行的存貸比,進(jìn)行了單位根檢驗(yàn);并且在上述指標(biāo)全部一階單整的基礎(chǔ)上,對(duì)內(nèi)蒙古三大產(chǎn)業(yè)與信貸規(guī)模和存貸比之間進(jìn)行了協(xié)整檢驗(yàn),檢驗(yàn)相關(guān)指標(biāo)之間是否存在長(zhǎng)期穩(wěn)定的均衡關(guān)系;格蘭杰因果檢驗(yàn),檢驗(yàn)存在長(zhǎng)期穩(wěn)定均衡關(guān)系的指標(biāo)之間,究竟誰(shuí)是因,誰(shuí)是果。通過(guò)檢測(cè)銀行信貸規(guī)模、存貸比和三大產(chǎn)業(yè)產(chǎn)值的實(shí)證結(jié)果得出如下結(jié)論:首先,第一產(chǎn)業(yè)產(chǎn)值在內(nèi)蒙古生產(chǎn)總值中所占的比例與信貸規(guī)模和存貸比指標(biāo)呈現(xiàn)協(xié)整關(guān)系,信貸規(guī)模和存貸比與第一產(chǎn)業(yè)產(chǎn)值占內(nèi)蒙古生產(chǎn)總值中所占的比例呈正相關(guān),即信貸規(guī)模和存貸比增加,第一產(chǎn)業(yè)產(chǎn)值也增加;其次,第二產(chǎn)業(yè)產(chǎn)值在內(nèi)蒙古生產(chǎn)總值中所占的比例與信貸規(guī)模和存貸比指標(biāo)也呈現(xiàn)協(xié)整關(guān)系,但是,信貸規(guī)模與第二產(chǎn)業(yè)產(chǎn)值呈負(fù)相關(guān),存貸比與第二產(chǎn)業(yè)產(chǎn)值呈正相關(guān),即存貸比的增加拉動(dòng)了第二產(chǎn)業(yè)產(chǎn)值的增加,而信貸規(guī)模的增加沒(méi)有拉動(dòng)第二產(chǎn)業(yè)產(chǎn)值的增長(zhǎng)。第三,由于信貸規(guī)模的系數(shù)沒(méi)有通過(guò)10%顯著性水平下的t檢驗(yàn),因此,第三產(chǎn)業(yè)與信貸規(guī)模和存貸比不存在協(xié)整關(guān)系。之后,對(duì)存在協(xié)整關(guān)系的變量進(jìn)行了格蘭杰因果檢驗(yàn)。最后,通過(guò)實(shí)證分析結(jié)果和信貸投放與產(chǎn)業(yè)結(jié)構(gòu)中所反映的問(wèn)題提出了相應(yīng)解決對(duì)策。本文的最終目的就是希望通過(guò)研究?jī)?nèi)蒙古信貸投放與產(chǎn)業(yè)結(jié)構(gòu)的現(xiàn)狀、存在的問(wèn)題、通過(guò)實(shí)證結(jié)果的實(shí)證檢驗(yàn),提出切實(shí)有效的解決對(duì)策,發(fā)揮信貸的支持推動(dòng)作用,更好的完善內(nèi)蒙古的產(chǎn)業(yè)結(jié)構(gòu)。
[Abstract]:In the process of referring to the relevant literature, it is found that most scholars have studied the relationship between financial development and economic growth, or study the relationship between financial intermediaries and industrial structures with financial intermediaries, while the research on credit investment and industrial structure in the financial domain is very few. The relationship between credit funds and industrial structure in the field is necessary. It is necessary to take it as an independent research direction, to understand the use of credit funds, the development of the industrial structure, and what kind of internal relations between the two, which is very important to the formulation of a reasonable financial strategy and the optimization of the industrial structure. Prior to the specific relationship between the investment and the industrial structure, we first made a detailed study of the theoretical role of the two, followed by a descriptive and statistical analysis method, and a detailed analysis of the total amount of credit delivery in Inner Mongolia, the condition of the term of credit delivery and the industrial structure of credit delivery through the data chart. Through a similar method, the development of the first industry, the second industry and the third industry in the industrial structure of Inner Mongolia is described and statistically analyzed. On the premise of the theoretical and practical analysis, the article adopts the statistical yearbook of Inner Mongolia from 1984 to 2013 and the relevant data of the Inner Mongolia statistics Bureau, which is the first production, that is, the first production. The ratio of the second industry, the second industry and the third industry to the GDP, the explanatory variables are the total bank loan total, the bank's loan ratio, the unit root test, and on the basis of all the first order of the above indexes, the cointegration test is carried out between the three industries of Inner Mongolia and the credit regulations and the loan ratio. Whether there is a long-term stable equilibrium relationship between the standards; Grainger causality test, testing the existence of long-term stability and equilibrium relationship between the indicators, who is the cause, and the empirical results of the bank credit scale, the deposit and loan ratio and the three major industrial output value: first, the output value of the first industry is in Inner Mongolia's gross product. The proportion of the account is cointegration with the scale of credit and the ratio of loan to loan ratio. The scale of credit and the ratio of loan to loan are positively related to the proportion of the output value of the first industry in the total value of Inner Mongolia's production, that is, the increase of credit scale and the loan ratio and the increase in the output value of the first industry; secondly, the proportion of the output value of the second industry in the gross product of Inner Mongolia Loan scale and loan ratio index also show co integration relationship. However, the credit scale is negatively related to the output value of the second industry, and the loan ratio is positively related to the output value of the second industry. That is, the increase in the ratio of deposit and loan increases the increase of the output value of the second industry, and the increase of credit scale does not stimulate the growth of the output value of the second industry. Third, due to the credit scale of the system. The number does not pass the t test under the 10% significant level, so the third industry does not have a cointegration relationship with the credit scale and the loan ratio. Then, the Grainger causality test is carried out on the variables of the cointegration relationship. Finally, the corresponding solutions are put forward by the results of the empirical analysis and the problems reflected in the credit and industrial structure. The ultimate goal is to hope that through the study of the current situation of Inner Mongolia credit and industrial structure, the existing problems, through the empirical test of empirical results, put forward effective and effective solutions, play the role of credit support, and better improve the industrial structure of Inner Mongolia.
【學(xué)位授予單位】：內(nèi)蒙古財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2016
【分類號(hào)】：F121.3;F832.4

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本文編號(hào)：1906563