Research On Credit Support In The Optimization Of Industrial Structure In Jiangsu Province

The banking system led by the Bank of China determines the important position of bank credit in the process of economic growth and industrial structure optimization and upgrading.Credit is an important and scarce resource,and its distribution among different industries has an important impact on the optimization and upgrading of industrial structure.China is currently undergoing supply-side reforms,under this background,it is of great theoretical and practical significance to study the credit support in the optimization of industrial structure in Jiangsu Province.This paper studies the credit support in the optimization of industrial structure in Jiangsu Province from theoretical analysis and empirical test.It is divided into six chapters.The first chapter is the introduction:it mainly expounds the topic selection and research significance,research methods,research innovation and deficiencies;The second chapter is literature review:it mainly summarizes the research status of scholars at home and abroad,reviews the literature,and finds that the above research may have some shortcomings.The third chapter is the theoretical analysis of the impact of credit on industrial structure optimization.Firstly,it introduces the concept of credit supply and industrial structure.Secondly,it introduces the theory of risk and return,credit rationing theory,loanable-funds theory of interest and industrial structure optimization theory.Finally,the process and mechanism of credit supply to the optimization of industrial structure are expounded.The fourth chapter analyzes the current situation of the impact of credit supply on industrial structure optimization in Jiangsu Province.Firstly,it sorts out the credit policy of the China Banking Regulatory Commission in recent years,and introduces the changes in the credit policy of G Bank.Then it elaborates on the industrial development of Jiangsu Province,mainly involving four indicators:Jiangsu's overall GDP value,Jiangsu's inter-industry GDP value,employment structure of three industries in Jiangsu Province,and Jiangsu's three-product GDP contribution rate;finally,it comparative analyzes the credit supply in Jiangsu province,at the same time,it also provides theoretical evidence for the changes in credit policy and delivery of G Bank in recent years,and draw conclusions.The fifth chapter is an empirical analysis of the relationship between credit and industrial structure optimization in Jiangsu Province:use Vector Auto-regressive Model(VAR Model)to test the Relationship between credit delivery and industrial structure optimization.The sixth chapter is conclusions and policy recommendations:Summarize the results of the previous study and propose relevant policy recommendations.According to the analysis of this study,there is a long-term equilibrium relationship between Jiangsu's industrial structure upgrading rate,credit scale,credit efficiency,financial output rate,exports,consumption and human capital.Both credit scale and credit efficiency will have a positive impact on the optimization of industrial structure in Jiangsu Province,but the impact of credit scale is greater.Therefore,this paper proposes several policy recommendations:1.Actively promote the reform of the banking industry and give play to the financial guiding role of indirect financing;2.Vigorously develop science and technology finance,improve the efficiency of deposit conversion investment;3.Develop new financial instruments and guarantees to optimize the financial environment of technology companies;4.Strengthen the construction of financial talent team,accelerate the process of bank smart outlets.