【摘要】 自银行业改革以来,我国产业结构转型和升级速度逐渐加快,商业银行在其中扮演了相当重要的角色.本文从理论角度证明了具有成本优势和规模效应的大型商业银行应该利用其市场影响力推动经济中投资意愿较低的企业进行投资,进而达到经济的整体最优.实证结果显示,自银行业实行改革以来我国的商业银行在促进产业增长效率的改进与提高方面仍然存在着诸多不足,如信贷资金对民营企业的支持不足,对行业增长率无明显促进作用,并在一定程度上促进了行业的垄断等;战略新兴产业上市公司获得的银行信贷融资支持依然非常有限,其中长期贷款的信贷支持方面尤为薄弱.若要发挥商业银行对行业结构的催化与孵化作用,就必须区分不同类型商业银行的信贷配置能力,以做到分工明确.更多还原

【Abstract】 Since the reform of bank industry, commercial bank has played an critical role in industrial structure transformation and upgrading. Prom a theoretical point of view, we prove that big commercial banks with cost and size advantage should use their market influence to help companies increase their willingness to invest. By doing this, optimum of the whole economy will be achieved. Empirical tests suggest that commercial banks still have several defects when boosting the efficiency of industry growth,such as the lack of support for private enterprises, no promotion to industry growth and increasing the monopoly, etc. Listed companies of strategic emerging industries still lack credit loans support from banks,especially long-term ones. We then come to conclusion that if commercial banks want to optimize industrial structures, they should better distinguish the ability to allocate credit of different kinds of banks, ensuring the clear-cut of responsibility.更多还原