金融支持我国制造业高质量发展问题研究

金融支持制造业高质量发展问题研究摘要当前，中国经济已经完成了快速增长这一目标，并进行到了高质量发展的阶段。值得注意的是，中国经济想要达到高质量发展，很重要的一步是使制造业做到高质量发展。制造业的高质量发展是中国成长为制造业强国的道路中的关键步骤。而制造业的高质量发展，必然需要金融进行支持。然而事实是，在利用金融支持制造业发展时，经常会面临很多困难。银行若是想要完成制造业高质量发展这份试卷，应该有坚定守护、服务制造业的自觉，主动融入中国经济发展和社会发展大格局。通过提高金融服务：创新金融产品：加强金融支持制造业的观念，使银行专业人员深入了解信贷体系和制造业企业的发展：面对大型制造业和中小型制造业时，做到公平的分配资源。这样才能使银行真正的实现推进制造业发展的作用。本文通过观察银行向制造业贷款的能力、国家制定的优惠政策对于制造业的帮助情况，发现金融支持力度还有待加强，并且需要更高效的金融产品和更完善的金融服务，国家需要加强对银行的引导作用，提升银行支持制造业的能力和意愿。关键词：金融促进，制造业，高质量发展Research on financial support for high-quality development ofmanufacturing industryAbstract:At present,China's economy has entered a new period of high-quality developmentfrom the period of rapid growth.The high-quality development of manufacturing industry isvery important for the high-quality development of China's economy.China's promotion ofhigh-quality development of manufacturing industry is an important link to realize China'stransformation from a large manufacturing country to a powerful manufacturing country.Financial support is the objective requirement of high-quality development of manufacturingindustry.Supporting the high-quality development of manufacturing industry needs financialsupport,but there are also many difficulties in supporting the high-quality development ofmanufacturing industry.Banks should firmly establish the awareness of preventingmanufacturing and services,integrate into the overall pattern of China's economic and socialdevelopment,improve financial services,innovate financial products,strengthen the concept offinancial support for manufacturing,improve the professional quality of bank employees,deeply understand the credit system and the development of manufacturing enterprises,andunderstand the social economy We should realize the rational allocation of labor,capital andother resources needed for our own development.Solve the difficulties of financial support forthe high-quality development of manufacturing industry and promote the high-qualitydevelopment of manufacturing industry.Through the observation of the financing ability ofbanks to manufacturing industry and the assistance of preferential policies formulated by thestate to manufacturing industry,this paper finds that financial support needs to be strengthened,and efficient financial products and more perfect financial services are needed.The statestrengthens the guiding role of banks.We should improve the ability and desire of banks tosupport the manufacturing industry.Keywords:financial promotion,manufacturing,high-quality development目录一、引言二、相关概念概述及基础理论(一)制造业高质量发展的内涵.….1(二)相关基础理论....……21.融资约束效应.….22.产业生命周期理论..·3三、金融支持制造业高质量发展的现状.·3(一)银行信贷支持.....….3(二)政策支持力度不断加大...(三)开展创新多种支持方式....。四、金融支持制造业高质量发展存在的问题........5(一)信用风险方面..51.信息不对称导致信贷偏差.....·….52.制造业贷款信用风险较高制约银行信贷积极性............63.银行技术人员能力有待提升7(二)中小制造业难以获得银行支持....·….71.银行对待大型制造业与中小制造业过于不平等..72.银行在信贷融资方面歧视中小制造业企业..8五、金融支持制造业高质量发展的对策建议.9(一)银行为制造业提供优质金融服务和产品..91.提供优质金融服务......2.开发多样化金融产品..·………103.强化服务制造业信贷的专业人才队伍建设..…….10（二)国家政策支持…111.引导银行加强对中小制造业信贷的支持..112.对银行