本文選題：商業(yè)銀行信貸　切入點(diǎn)：產(chǎn)業(yè)結(jié)構(gòu)　出處：《湖南科技大學(xué)》2013年碩士論文　論文類型：學(xué)位論文

【摘要】：商業(yè)銀行信貸對產(chǎn)業(yè)結(jié)構(gòu)的優(yōu)化升級具有重要作用。本文首先對相關(guān)專業(yè)文獻(xiàn)進(jìn)行了梳理和研究，總結(jié)了金融發(fā)展對經(jīng)濟(jì)增長的影響、金融發(fā)展對產(chǎn)業(yè)結(jié)構(gòu)的影響、信貸對產(chǎn)業(yè)結(jié)構(gòu)影響、以及商業(yè)銀行信貸對產(chǎn)業(yè)結(jié)構(gòu)影響的相關(guān)研究成果。 其次，通過對收集到的數(shù)據(jù)進(jìn)行整理，概括出金融機(jī)構(gòu)信貸總額增長趨勢，并對商業(yè)銀行信貸的空間分布和分行業(yè)的配置情況進(jìn)行了詳細(xì)分析，分析了商業(yè)銀行信貸在三次產(chǎn)業(yè)的配置情況，并總結(jié)其變化特點(diǎn)。 再次，分析了我國商業(yè)銀行信貸影響產(chǎn)業(yè)機(jī)構(gòu)的主要效應(yīng)和對應(yīng)機(jī)制，具體分析了商業(yè)銀行信貸影響產(chǎn)業(yè)結(jié)構(gòu)的規(guī)模效應(yīng)、溢出效應(yīng)和反饋效應(yīng)，以及商業(yè)銀行信貸影響產(chǎn)業(yè)結(jié)構(gòu)的規(guī)模機(jī)制、溢出機(jī)制和反饋機(jī)制。 最后，結(jié)合理論分析，，對商業(yè)銀行信貸影響產(chǎn)業(yè)結(jié)構(gòu)的效應(yīng)進(jìn)行了實(shí)證分析，發(fā)現(xiàn)： (1)商業(yè)銀行信貸對產(chǎn)業(yè)產(chǎn)出沒有規(guī)模效應(yīng)，而產(chǎn)業(yè)產(chǎn)出對商業(yè)銀行信貸有規(guī)模效應(yīng)，因此本文構(gòu)造第一個(gè)規(guī)模機(jī)制作用方向應(yīng)該反向調(diào)整； (2)商業(yè)銀行信貸對產(chǎn)業(yè)產(chǎn)出有溢出效應(yīng)，即各產(chǎn)業(yè)信貸量的變動對三次產(chǎn)業(yè)產(chǎn)值變動的影響是多對多映射關(guān)系； (3)基于產(chǎn)業(yè)對商業(yè)銀行信貸的規(guī)模效應(yīng)，以及商業(yè)銀行信貸對產(chǎn)業(yè)的溢出效應(yīng)，發(fā)現(xiàn)產(chǎn)業(yè)通過規(guī)模效應(yīng)作用于信貸，信貸經(jīng)由溢出效應(yīng)作用于產(chǎn)業(yè)，產(chǎn)生了反饋效應(yīng)； (4)商業(yè)銀行信貸結(jié)構(gòu)對產(chǎn)業(yè)結(jié)構(gòu)有影響，同樣表現(xiàn)為規(guī)模效應(yīng)、溢出效應(yīng)和反饋效應(yīng)，其中溢出效應(yīng)不僅僅表現(xiàn)為商業(yè)銀行信貸配置比重對非對應(yīng)產(chǎn)業(yè)比重的產(chǎn)生的直接影響，還表現(xiàn)為信貸內(nèi)部結(jié)構(gòu)對產(chǎn)業(yè)結(jié)構(gòu)產(chǎn)生的間接影響。 結(jié)合實(shí)證研究，本文提出了調(diào)整商業(yè)銀行信貸政策、推進(jìn)產(chǎn)業(yè)升級的建議。
[Abstract]:Commercial bank credit plays an important role in the optimization and upgrading of industrial structure. Firstly, this paper summarizes the influence of financial development on economic growth and the impact of financial development on industrial structure. The effects of credit on industrial structure and commercial bank credit on industrial structure. Secondly, through the collation of the collected data, this paper generalizes the growth trend of the total credit of financial institutions, and analyzes the spatial distribution of the credit of commercial banks and the allocation of the credit in different industries in detail. This paper analyzes the distribution of commercial bank credit in three industries and summarizes its changing characteristics. Thirdly, the paper analyzes the main effects and corresponding mechanisms of commercial bank credit influencing industrial institutions, and analyzes the scale effect, spillover effect and feedback effect of commercial bank credit impact on industrial structure. And the scale mechanism, spillover mechanism and feedback mechanism of commercial bank credit influencing industrial structure. Finally, combining with the theoretical analysis, the paper makes an empirical analysis of the effect of commercial bank credit on the industrial structure, and finds out:. (1) Commercial bank credit has no scale effect on industrial output, but industrial output has scale effect on commercial bank credit. (2) Commercial bank credit has spillover effect on industrial output, that is, the change of credit quantity of each industry has a many-to-many mapping relation to the change of output value of three industries; 3) based on the scale effect of industry to commercial bank credit and the spillover effect of commercial bank credit to industry, it is found that industry acts on credit through scale effect and credit exerts feedback effect on industry through spillover effect. 4) the credit structure of commercial banks has an impact on the industrial structure, which is also manifested by scale effect, spillover effect and feedback effect, in which the spillover effect is not only the direct influence of the proportion of credit allocation of commercial bank on the proportion of non-corresponding industries. It also shows the indirect influence of the internal structure of credit on the industrial structure. Combined with empirical research, this paper puts forward some suggestions to adjust the credit policy of commercial banks and promote industrial upgrading.
【學(xué)位授予單位】：湖南科技大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F832.4;F121.3

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