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目前浙江省的产业结构得到了一定的优化，但第二产业占GDP 比重依然较高，工业仍
是主要增长动力，而其中劳动密集型产业纺织业占比最大。浙江省中长期贷款的余额较短
期贷款小，但增幅较大。同时贷款总量不断增加，但与广东、江苏存在明显差距。并且浙
江省的金融机构贷款不良余额和不良率逐年攀升，风险管理形式不容乐观。由于过于膨胀
的金融体系和实业经济空心化现象导致浙江省的产业结构调整面临巨大危机。主要问题有
三：一是金融机构追求短期利益，风险防范意识薄弱；二是担保制度不完善，产生连锁反
应，加剧风险的产生；三是实体经济的空心化反过来导致了金融资源无法进一步发展；四
是浙江省的金融资源配置方式未能有效适应浙江省经济发展水平
本文通过研究目前浙江省产业结构和金融资源配置现状，产业结构调整和金融资源配
置的相互影响和作用，主张采取有效措施，从产业结构调整角度来讲：一是巩固基础，坚
持实业强省，做百年企业；二是加大政府支持力度，为实体经济打造更大的发展空间；三
是加快产业创新升级步伐，提高核心竞争力。从金融资源配置角度来讲：一、坚持金融服
务实体经济的本质要求；二、转型升级，优化金融资源配置制度，将资金利用到实处；
三、保持利润稳定增长，严格建立风险防控措施
关键词：产业结构， 金融资源配置， 管理策略II
Study on the adjustment of industrial structure in Zhejiang
Province based on financial resources allocation
Abstract
The allocation of financial resources plays an important role in the adjustment of industrial
structure in a region, and different financial resources allocation schemes will have different
changes in the industrial structure adjustment. The different industrial structure adjustment policy
will also have a guiding role in the allocation of financial resources, to guide the financial industry
to invest resources into higher income, less risk of the industry.
At present, the industrial structure of Zhejiang province has been optimized, but the
proportion of the second industry is still high, the industry is still the main driving force of growth,
and labor intensive industries in the textile industry accounted for the largest GDP. The balance of
the medium and long term loans in Zhejiang is smaller than that in the short term, but the increase
is larger. At the same time, the total amount of loans continues to increase, but there is a significant
gap between Guangdong and Jiangsu. And non-performing loans and non-performing loans of
financial institutions in Zhejiang province increased year by year, the form of risk management is
not optimistic. Due to the excessive expansion of the financial system and the hollowing out of the
industrial economy, the adjustment of industrial structure in Zhejiang province is facing a huge
crisis. There are three main problems: one is the financial institutions in the pursuit of short-term
interests, the risk awareness is weak; the two is the guarantee system is not perfect, produce a chain
reaction, increase the risk; three is the hollowing out of the real economy in turn led to the financial
resources to further development; four is the allocation of financial resources in Zhejiang province
failed to effectively adapt to the economic development the level of Zhejiang.
This paper studies the industrial structure of Zhejiang province and financial resources
allocation status, influence and effect of industrial structure adjustment and allocation of financial
resources, should take effective measures, from the perspective of industrial structure adjustment:
one is to strengthen the foundation, adhere to the industrial province, a hundred years to do
business; the two is to increase government support for the real economy to create. The larger
development space; the three is to accelerate the pace of industrial upgrading, improve the core
competitiveness. From the perspective of financial resource allocation: one, adhere to the essence
of financial services in the real economy; two, transformation and upgrading, optimizing theIII
system of allocation of financial resources, the use of funds to implement; three, steady profit
growth, the establishment of strict risk prevention and control measures.
Key Words：industrial structure, financial resources allocation, management strategyIV
目 录
1 绪论... 1
1.1 研究的背景以及意义........... 1
1.2 国内外研究状况 .. 2
1.2.1 国外研究状况 ....... 2
1.2.2 国内研究状况 ....... 4
1.3 研究目标以及研究内容5
1.4 研究思路与研究方法 .... 5
1.5 存在的难点和创新点 .... 6
2 产业结构和金融资源理论基础 ......... 7
2.1 产业结构概念 ......... 7
2.2 产业结构调整优化相关理论........... 8
2.3 产业结构演变的理论 ........ 10
2.4 金融资源理论 ....... 10
2.5 金融资源配置相关理论 .... 11
2.6 金融风险管理相关理论 .......... 12
3 浙江省产业结构与金融资源配置分析 ..... 15
3.1 浙江省产业结构分析 .. 15
3.1.1 改革开放以前浙江产业结构概况 .... 15
3.1.2 改革开放之后浙江产业结构变化 .... 15
3.2 浙江省金融资源配置现状分析........ 19
3.2.1 浙江省金融资源配置现状 ...... 19
3.2.2 浙江省金融资源配置风险状况 ........ 21
4 产业结构调整与金融资源配置相互作用分析... 23
4.1 产业结构调整影响金融资源配置的机理 . 23
4.2 金融资源配置影响产业结构调整的机理与过程 ........... 24V
4.2.1 金融资源配置如何影响产业结构调整 ...... 24
4.2.2 金融资源配置影响产业结构调整的过程 . 25
5 产业结构调整与金融资源配置的管理策略选择 .......... 26
5.1 当前浙江省金融资源配置对产业结构调整的影响 ...... 26
5.2 分析当前策略及存在的问题28
5.2.1 广东、江苏地区金融结构和产业结构的发展水平及比较..... 28
5.2.2 浙江省当前的金融资源配置存在的问题 . 29
5.3 产业结构调整的管理策略选择........ 32
5.4 金融资源配置的管理策略选择........ 35
参考文献 ..
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