贵州省银行业与地方经济发展关系研究

发布时间：2018-04-09 09:58

本文选题：贵州　切入点：商业银行　出处：《吉林财经大学》2014年硕士论文

【摘要】：金融是现代经济的核心，是现代经济发展的先导。我国是银行主导型的金融制度，银行在中国经济发展过程中发挥了重要的作用，是实现对融资交易和金融资源配置之间的关系的重要载体，它具有“先导性”经济功能的经济运行“枢纽”。学术界中对银行业和经济增长之间关系的观点主要有两种：一是认为银行业业发展和经济增长之间根本没有什么很重要的必然联系，二是认为银行业对经济发展有着不可或缺的作用,而且对实体经济的稳健增长至关重要。本文通过分析认为银行业和经济发展存在互动关系，这种互动关系主要体现在两个方面：银行业作用于经济增长的传导机制和经济发展作用于银行业的传导机制。理顺这两者的关系，有助于使银行回到推动地方实体经济发展的正确轨道上来，对解决经济发展的其他问题，以及对银行和地方经济发展关系的学术研讨也大有裨益。改革开放尤其是西部大开发以来，贵州经济发展进入跨越式发展时期，尤其是近几年贵州GDP增速连续名列全国前茅。自“引银入黔”工程实施以来贵州省以银行业为主导的金融体系日趋完善，银行作为贵州金融业的主导也伴随着改革开放的步伐跨越发展。银行业与贵州经济发展逐渐形成了一种互动关系。本文将在前人研究基础上，立足贵州区域经济、省情和市场特点，结合实证研究技术，，探讨贵州银行业与助推地方经济发展的互动关系。本文不但梳理了银行业与经济发展方面的研究文献，分析了贵州银行业和经济发展的现状，指出存在的问题及原因。还用近10年贵州的相关数据证实贵州省银行业和经济发展之间的互动关系，结合实际提出政策建议：贵州银行业要建立与区域经济发展相适应的银行结构助推实体经济发展和改革；银行业要大力支持贵州非公有经济的发展；银行业要服务城镇化、工业化、农业现代化；加速贵州银行业开放的步伐，实现银行机构的多元化、国际化、股份化和民营化；银行业要利用好国家和贵州省政府的政策机遇实现业务转型。
[Abstract]:Finance is the core of modern economy and the forerunner of modern economic development.China is a bank-oriented financial system. Banks play an important role in the process of China's economic development and play an important role in the realization of the relationship between financing transactions and the allocation of financial resources.It has a "leading" economic function of the economic operation of the "hub".There are two main views in academia on the relationship between banking and economic growth. One is that there is no very important necessary link between the development of the banking industry and economic growth.The second is that banking plays an indispensable role in economic development and plays an important role in the steady growth of the real economy.This paper points out that there is an interactive relationship between banking and economic development, which is mainly reflected in two aspects: the conduction mechanism of the banking industry acting on economic growth and the transmission mechanism of economic development acting on the banking industry.Straightening out the relationship between the two will help banks to return to the correct track of promoting the development of local real economy, and will also be of great benefit to solving other problems of economic development and academic research on the relationship between banks and local economic development.Since the reform and opening up, especially since the development of the western region, Guizhou's economic development has entered a period of leaps and bounds, especially in recent years, Guizhou's GDP growth rate has been ranked among the highest in the country.The bank-oriented financial system in Guizhou Province has become more and more perfect since the implementation of the "attracting Silver into Guizhou Province" project, and the banking industry as the leading part of Guizhou's financial industry has also been accompanied by the rapid development of reform and opening up.Banking and Guizhou economic development gradually formed an interactive relationship.On the basis of previous studies, this paper will discuss the interactive relationship between Guizhou banking and local economic development based on the characteristics of regional economy, provincial conditions and market, and combining with empirical research technology.This paper not only combs the research literature on banking and economic development, analyzes the present situation of banking and economic development in Guizhou, and points out the existing problems and reasons.The interaction between banking and economic development in Guizhou Province has also been confirmed by relevant data from Guizhou over the past 10 years.Based on the practice, the paper puts forward some policy suggestions: the banking industry in Guizhou should establish a banking structure suitable for regional economic development to promote the development and reform of the real economy; the banking industry should vigorously support the development of Guizhou's non-public economy; and the banking industry should serve the urbanization.Industrialization and agricultural modernization; accelerating the pace of opening up the banking sector in Guizhou; realizing the diversification, internationalization, demutualization and privatization of banking institutions; and making good use of the policy opportunities of the state and Guizhou provincial government to realize business transformation.
【学位授予单位】：吉林财经大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.7;F127

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