The Research Of The Relationship Between Bank Credit Structure And Industrial Upgrading In Heilongjiang Province

After years of reform and opening-up, with the rapid development of China’s economic development to a transformation from quantity expansion to the structure, improve the key period of efficiency, the economic system reform has entered the crucial period we will deepen reform of the financial system. But the economy is still lack of sustained growth in heilongjiang province, the industrial structure of the internal contradictions become the main factors, thus further promote financial deepening reform in heilongjiang province and the optimization of industrial structure is the relationship between heilongjiang economic system reform and the success or failure of the economic structure adjustment strategy key problem. Banking industry as the core of modern economy and financial system, should comply with the requirements of economical development, give play to the role of credit support, actively promote upgrading of the industrial structure. A comprehensive and systematic investigation of bank credit structure and industrial structure optimization, the correlation of the rich heilongjiang credit structure and industrial structure interaction theory, adjust the credit structure, and promote the upgrading of industrial structure in heilongjiang province has important theoretical and realistic significance.In the literature of the past, most scholars study the effect of financial development to economic growth, or from the Angle of financial intermediary, the financial impact on industry, and specific to the correlation between bank credit structure and industrial structure adjustment, is as a rare to study the issue of independence. So further study of related mechanism of the bank credit structure and industrial structure adjustment, to understand the internal mechanism of credit on the industrial structure adjustment, make the scientific and reasonable financial development strategy is both the realistic need, but also promote the real economy structure adjustment and upgrading, the key of heilongjiang economic long-term stable development.This article USES the qualitative analysis and quantitative analysis, theoretical analysis and empirical analysis method of combining the, from exploring the mechanism of the bank credit structure and industrial structure adjustment, in combination with the practical situation of heilongjiang credit and the development of the industry, construct multivariate VAR model of the credit structure and industrial structure, and by using co integration test, Granger causality test on bank credit structure and the relationship between industrial structure adjustment and the empirical research, confirmed a correlation exists between industry credit and industrial output value, the conclusion is:the rationality of the bank credit structure and industrial structure upgrade is mutual promotion, adjustment of credit structure directly affect the output value of industry change; Upgrading of the third industry to promote the credit structure adjustment role is very big, is conducive to industrial upgrading. Finally, the optimization of industrial structure adjustment is presented according to the empirical results of the credit policy choice.This article system, fully revealed the heilongjiang bank credit structure and industrial structure adjustment mechanism and influence each other relations, help seeking credit policies can promote the adjustment of industrial structure, different policies for different industry at the same time, the difference and effective policies to promote the coordinated development between different industries, can better play to the impetuses of the credit structure, realize the optimization and upgrading of economic structure.