我国文化产业信贷支持研究

发布时间：2018-03-25 03:25

本文选题：文化产业　切入点：信贷支持　出处：《湖南大学》2014年硕士论文

【摘要】：文化产业的发展符合国家产业结构升级的政策要求，，能满足人们精神文化需求并提高我国文化竞争力。但目前我国文化产业信贷支持与其良好发展态势不相匹配的现实情况限制了文化产业健康持续发展。相比传统产业而言，文化产业兼具有物质属性与精神属性，其产品的核心在于创意。因而文化产业呈现固定资产占比较低、规模较小和现金流难以预期等特征。文化产业的这些特征又与传统信贷要求不匹配，对文化产业的信贷支持力度产生了负面影响。本文首先从两条线对两大主题概念进行理论分析：一条线分析文化产业内涵、分类与特征，以及其发展的经济意义，这是全文的出发点；另一条线分析信贷支持的影响因素，这是后文实证分析的理论基础。然后提出信贷金融支持从促进文化产业生命周期以及产业集聚两条路径将前面两条线联结到一起，形成完整的理论基础。本文接着从文化产业自身特征、金融体系与金融监管以及政府配套设施建设的角度定性分析了文化产业信贷支持不足的原因。同时，通过应用均值分析与双线回归模型，对文化企业与非文化企业的微观样本数据进行分析，最终证明了文化企业特有的财务特征和银行的差别待遇均对文化企业的信贷支持产生负面影响的结论，证明了前文现实原因的存在。本文最后基于我国文化产业信贷支持与其发展的良好态势不相匹配的问题，借鉴定性和定量的原因分析结果，从商业银行、文化企业、政府三个维度提出了六个方面对完善我国文化产业信贷支持的对策建议。
[Abstract]:The development of the cultural industry conforms to the policy requirements of the upgrading of the national industrial structure. It can meet the spiritual and cultural needs of people and improve the cultural competitiveness of our country. However, the current situation that the credit support of our cultural industry does not match with its good development situation limits the healthy and sustainable development of the cultural industry. Compared with the traditional industry, the current situation limits the healthy and sustainable development of the cultural industry. The cultural industry has both material and spiritual attributes, and the core of its products is creativity. Therefore, the cultural industry presents a relatively low proportion of fixed assets. The characteristics of cultural industry, such as small scale and difficult to predict cash flow, do not match with the traditional credit requirements, which has a negative impact on the credit support of cultural industry. In this paper, the author first makes a theoretical analysis of the two main theme concepts from two lines: one line analyzes the connotation, classification and characteristics of cultural industry, and the economic significance of its development, which is the starting point of the paper; the other line analyzes the influencing factors of credit support. This is the theoretical basis of the empirical analysis in the following chapters, and then it is proposed that the credit financial support links the first two lines together from the two paths of promoting the life cycle of cultural industry and industrial agglomeration to form a complete theoretical basis. This paper then qualitatively analyzes the reasons for the lack of credit support for cultural industry from the perspective of its own characteristics, financial system and financial supervision, and the construction of government supporting facilities. At the same time, it applies the mean value analysis and the two-line regression model to analyze the reasons for the lack of credit support for the cultural industry. The microcosmic sample data of cultural enterprises and non-cultural enterprises are analyzed. Finally, the conclusion that the unique financial characteristics of cultural enterprises and the differential treatment of banks have a negative impact on the credit support of cultural enterprises is concluded. It proves the existence of the realistic reasons mentioned above. Finally, based on the problem that the credit support of our cultural industry does not match the good situation of its development, this paper draws lessons from the qualitative and quantitative cause analysis results, from the commercial banks, cultural enterprises, Three dimensions of the government put forward six aspects to improve our cultural industry credit support countermeasures.
【学位授予单位】：湖南大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：G124;F832.4

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