Research On The Impact Of Commercial Bank Support On The Development Of Real Economy

In 2019,General Secretary Xi Jinping,in the course of the national financial work conference,regarded the provision of better services for the real economy as one of the most important functions of the financial sector.At the same time,he believed that finance as the support of the real economy and the provision of services to the real economy were the main development directions,and also a reasonable means to avoid financial problems.In the 19 th National Congress of the Communist Party of China,the "relevant norms of the financial system should be improved to improve the level of financial services for the real economy" should be integrated into the report,indicating the development direction for the next evolution of the financial field.In this condition,aiming at the level of supply volume reform,this paper studies the impact of commercial bank support on the development of real economy with the method of normative and empirical analysis.In order to further clarify the relationship between the two,this paper first defines the evolution of commercial banks,the real economy and financial services,and points out that the real economy and the financial sector interact and coordinate with each other.At the same time,it combines the relevant analysis of relevant researchers,summarizes and discusses the supply side structural reform,bank funding costs,etc.,which lays a firm theoretical condition for the following analysis.First of all,through interviews and questionnaires,this paper finds out that ABC Jingzhou branch has large business scale,high market share,good operation effect,strong internal control and management,and ABC Jingzhou branch is highly concerned about supporting the evolution of the real economy.At the same time,this paper discusses the characteristics of the bank in the process of developing the real economy through practical examples,and points out the problems in the process of developing the real economy: the level of supporting the development of all kinds of companies needs to be improved,the new ways of supporting the entities to raise funds must be further improved,the reduction of the comprehensive economic input of credit needs to be optimized,and the loan level is too low,which should be improved.Secondly,this paper constructs VAR model,through cointegration test,Granger causality test,impulse response function and variance decomposition,empirically analyzes the data of ABC Jingzhou branch supporting the development of real economy,and finds that there is a long-term equilibrium relationship between the support of ABC Jingzhou branch and the development of real economy.The support of ABC Jingzhou branch is the single Granger of the development of real economy Because it can effectively promote the development of real economy;impulse response function shows that in the long term,the support of ABC Jingzhou branch has a positive impact on the development of real economy,and variance decomposition shows that in the 20 th period,the contribution rate of commercial bank support to the development and change of real economy is as high as 83.21%.Then,through SWOT analysis,this paper introduces the advantages,disadvantages and current problems of Jingzhou branch in the process of supporting the development of real economy,and makes the choice of St diversification strategy,WT defense strategy,so growth strategy and wo turnaround strategy.Finally,based on the above findings and problems,this paper puts forward suggestions to improve the development level of service entity economy of ABC Jingzhou branch from the macro and micro levels: in the macro field,the party and the government must form a harmonious institutional atmosphere to form a relationship between banks and entities for coordinated development;form a harmonious credit atmosphere to dispel the concerns of banks in supporting entity development;form and In the micro field,the bank must pay attention to the field orientation of its own planning and support,build a new credit system,implement comprehensive risk prevention and control,improve the level of strategic management and improve the means of loan pricing To make its own contribution to the implementation of the evolution of the real economy.