民营经济转型中的金融所有制歧视研究.docVIP

民营经济转型中的金融所有制歧视研究 ——以嘉兴市为例 摘 要 金融发展是经济增长的“引擎”，但在我国走向工业化道路过程中，金融资源没有按照效率原则分配，而是首先分配给了具有政治背景的国有经济，民营企业的经济贡献度和融资可得性存在严重的不匹配，导致了资源配置的扭曲和效率损失。政府和人民银行如何发挥作用，进一步消除金融所有制歧视，让民营经济享有与国有经济同等的信贷获得能力，已经成为金融推进民营经济转型升级、进而推进整个经济转型升级的重要课题。该问题解决的好坏，直接制约经济转型的路径与效率。 虽然国家和地方政府通过制定一系列扶持政策助力民营经济融资，但由于政府公共管理体系、银行结构体系等方面存在不足，效果并不十分理想。本文以民营经济转型升级为切入点审视了金融所有制歧视现象，分析了金融所有制歧视的现状和对民营经济转型升级的影响机制，并通过选取合适的度量指标和度量方法对嘉兴市民营企业面临的金融所有制歧视和转型升级效率进行测量，再从实证分析的角度，对两者的相关性进行测算。检验结果显示信贷资金投入是推动经济增长的主导力量，当民营企业面临金融所有制歧视时，可获得的信贷资金较少，转型升级效率较低，反之则转型升级效率较高。减少金融所有制歧视,在某种程度上将有助于民营经济转型升级。 关键词:金融所有制歧视，民营经济，转型升级 FINANCIAL OWNERSHIP DISCRIMINATION IN THE UPGRADE OF PRIVATE ECONOMY ——TAKE EXAMPLE FOR JIA XING ABSTRACT Finance is the growth of the engine, While in China, the allocation of financial resources is not according to the principle of efficiency,these financial resources are firstly assigned to?the?political-background of state-owned economy，private enterprises contribute a lot but get less financial recourses ?,?resulting? the?loss of?distorted?resource allocation?and efficiency.?To further?eliminate financial?ownership discrimination and promote private economy?and?state-owned get equal financial recourses，?has become the main mission of the government and the PBOC（people’s bank of China）,?directly affects the efficiency of?path?and?the overall transformation of the?economy. While state and local governments has taken a series of policies to promote private economic financing, but the effect is not obvious Due to defects of government public management system and bank structural system and so on.This thesis reviewed financial ownership discrimination by taking the upgrade of private economy as an entry point，then analysis the financial status of the ownership of discrimination and the upgrading of the impact mechanism to private economic transformation .. By choosing the appropriate metrics and measurement method to measure the financial ownership discrimination and the efficiency of transforma