山东产业调整中的信贷政策选择研究

发布时间：2018-03-27 05:11

本文选题：产业结构调整　切入点：金融支持　出处：《山东大学》2014年硕士论文

【摘要】：经济发展、产业升级离不开金融支持。加快金融改革,更好地发挥金融对经济结构调整和转型升级的支持作用,意义十分重大。金融作为经济发展的助推器,可以减少信息交易成本、提高储蓄——投资转化率、改善经济运行环境。无论是优势产业的发展壮大,还是传统产业的升级改造或平稳退出,都需要健全、完善、便捷的金融服务。产业结构升级需要与一定的金融发展水平相配套。金融发展直接影响着产业结构升级的水平,金融发展水平越高,产业结构升级就越快,反之亦然。在当前直接金融不发达的情况下,间接金融特别是银行业的融资作用越显突出。在山东省进行产业升级的背景下,如何更好地把握好信贷投向,引导信贷资金服务实体经济,特别是投向重点产业和重点区域,促进产业发展,加快产业升级,已经提到日程上来。本文在这一大背景下,在深入分析发达国家信贷政策服务产业政策的基础上,提出了山东省信贷政策的定位策略及制度设计,为山东省制定更具针对性与可操作性的信贷政策,从而实现银行繁荣与产业的可持续发展的良性循环提供借鉴。
[Abstract]:Economic development and industrial upgrading cannot be separated from financial support. Speeding up financial reform and giving better play to the role of finance in supporting economic restructuring and transformation and upgrading is of great significance. Finance is the booster of economic development. It can reduce the cost of information transaction, increase the conversion rate of savings and investment, and improve the environment of economic operation. Whether it is the development and growth of superior industries, the upgrading and transformation of traditional industries or the smooth withdrawal of traditional industries, they all need to be sound and perfect. Convenient financial services. The upgrading of industrial structure needs to be matched with a certain level of financial development. Financial development directly affects the level of upgrading of industrial structure. The higher the level of financial development, the faster the upgrading of industrial structure, and vice versa. In the current situation of direct financial underdevelopment, the role of indirect finance, especially banking, in financing is becoming more and more prominent. Under the background of industrial upgrading in Shandong Province, how to better grasp the credit direction and guide credit funds to serve the real economy, In particular, it has been put on the agenda to invest in key industries and key regions, to promote industrial development and to speed up industrial upgrading. Under this background, this paper, on the basis of in-depth analysis of the industrial policies of credit policy services in developed countries, This paper puts forward the positioning strategy and system design of credit policy in Shandong Province, which provides a reference for Shandong Province to formulate more targeted and operable credit policy so as to realize the benign cycle of bank prosperity and sustainable development of industry.
【学位授予单位】：山东大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F121.3;F832.4

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