银行信贷对我国产业结构升级影响的现状分析

Present Condition Analysis of the Bank Credit's Impact on the Upgrading of Industrial Structure in our Country

进入新常态以来,产业结构中的内在矛盾成为主要制约我国经济发展的主要因素,银行业作为企业融资的重要渠道,应配合国家产业政策,发挥信贷积极作用,促进产业结构升级。文中采用定性分析方法,对我国银行信贷的总量变化,各个行业的分配及银行信贷支持下的三大产业发展现状进行分析,有助于寻找可以促进产业结构升级的信贷政策,根据各个产业定制差异化的策略,引导资金在产业间的流动,促进产业之间的合理、快速发展。

As the core of the financial system,banking should play the role of credit supporting and upgrading industrial structure,in accordance with the development of economics. The paper analyzes the internal contradictions of industrial structure,This paper uses the qualitative analysis method to analyze the change of the total amount of bank credit,the distribution of bank credit and the development of industries. It is helpful to find the credit policy that can promote the upgrading of industrial structure.