2019年习近平总书记在全国金融工作会议的过程中，把为实体经济提供更好 服务当成金融机构最关键的职能之一，同时认为金融机构作为实体经济的重要支 撑，为支持实体经济发展是其中主要发展导向。党的十九大把“健全金融体制相 关规范，提高金融为实体经济服务水平”结合到报告中，给接下来的金融行业的 沿革指明方向。在此背景下，本文针对供给侧改革的层面，以农行荆州分行为研 究对象，运用规范和实证分析相结合的方法研究商业银行支持对实体经济发展的 影响情况。为了进一步理清两者的关系，本文首先对商业银行、实体经济和金融 服务实体经济发展的相关概念进行明确界定，指出实体经济和金融行业彼此作用、 彼此协调。同时融合相关研究者的有关分析，总结供给侧结构性改革方面的论述、 银行融资成本等，给接下来的分析打下坚定的理论条件基矗 首先，本文通过访谈和调查问卷的方法发现了农行荆州分行业务规模大，市 场份额高、经营效应好、内控管理强，而且农行荆州分行高度关注支持实体经济 发展的情况。同时通过实际范例探讨了该银行支持实体经济过程中的特征，指出 了农行荆州分行在发展实体经济过程中产生的难题：支持各类公司发展的水平亟 待提高、支持实体进行融资的新手段还必须深入完善、减少信贷综合经济投入还 亟需优化、贷款投放水平过低的情况还亟待完善。其次，本文构建VAR模型，通 过协整关系检验、格兰杰因果关系检验、脉冲响应函数和方差分解对农行荆州分 行支持实体经济发展进行了数据实证分析，发现农行荆州分行支持与实体经济发 展之间具有长期均衡关系，农行荆州分行支持是实体经济发展的单项格兰杰原因， 其能够有效促进实体经济发展；脉冲响应函数显示，在长期内，农行荆州分行支 持对实体经济发展有正向冲击，方差分解显示，在第20期时，农行荆州分行支持 对实体经济发展变动的贡献率高达83.21%。 然后，本文通过SWOT分析法较为详细地介绍了荆州分行支持实体经济发展过 程中自身拥有的优点、缺陷和目前产生的难题，并进行了ST多样化策略、WT防御 型策略、SO增长型策略和WO扭转型策略的选择。最后，基于上述发现和问题，本 文从宏观和微观两个层面提出提升农行荆州分行服务实体经济发展水平的建议： 在宏观领域，党和政府必须形成和谐的制度氛围，形成银行和实体彼此协调发展 的联系，打消银行支持实体发展中的担忧，增强银行支持实体经济发展的责任意 识，推动金融供给和实体需要和谐发展；在微观领域，该银行必须关注自身规划 着重支持的领域导向、构建信贷工作创新体制、落实综合风险防控、提高战略管 理水平以及完善贷款定价手段，为实体经济更好地发展做出自己的贡献。 关键词：农行荆州分行；支持实体经济；策略研究 II ABSTRACT In2019,General SecretaryXiJinping,inthecourseofthenationalfinancialwork conference,regardedtheprovisionofbetterservicesfortherealeconomyasoneofthe mostimportantfunctionsofthefinancialsector.Atthesametime,hebelievedthat financeasthesupportoftherealeconomyandtheprovisionofservicestothereal economywerethemaindevelopmentdirections,andalsoareasonablemeanstoavoid financialproblems.Inthe19thNationalCongressoftheCommunistPartyofChina,the "relevantnormsofthefinancialsystemshouldbeimprovedtoimprovethelevelof financialservicesfortherealeconomy"shouldbeintegratedintothereport,indicating thedevelopmentdirectionforthenextevolutionofthefinancialfield.Inthiscondition, aimingatthelevelofsupplyvolumereform,thispaperstudiestheimpactof commercialbanksupportonthedevelopmentofrealeconomywiththemethodof normativeandempiricalanalysis.Inordertofurtherclarifytherelationshipbetweenthe two,thispaperfirstdefinestheevolutionofcommercialbanks,therealeconomyand financialservices,andpointsoutthattherealeconomyandthefinancialsectorinteract andcoordinatewitheachother.Atthesametime,itcombinestherelevantanalysisof relevantresearchers,summarizesanddiscussesthesupplysidestructuralreform,bank fundingcosts,etc.,whichlaysafirmtheoreticalconditionforthefollowinganalysis. Firstofall,throughinterviewsandquestionnaires,thispaperfindsoutthatABC Jingzhoubranchhaslargebusinessscale,highmarketshare,goodoperationeffect, stronginternalcontrolandmanagement,andABCJingzhoubranchishighlyconcerned aboutsupportingtheevolutionoftherealeconomy.Atthesametime,thispaper discussesthecharacteristicsofthebankintheprocessofdevelopingtherealeconomy throughpracticalexamples,andpointsouttheproblemsintheprocessofdeveloping therealeconomy:thelevelofsupportingthedevelopmentofallkindsofcompanies needstobeimproved,thenewwaysofsupportingtheentitiestoraisefundsmustbe furtherimproved,thereductionofthecomprehensiveeconomicinputofcreditneedsto beoptimized,andtheloanlevelistoolow，whichshouldbeimproved.Secondly,this paperconstructsVARmodel,throughcointegrationtest,Grangercausalitytest,impulse responsefunctionandvariancedecomposition,empiricallyanalyzesthedataofABC Jingzhoubranchsupportingthedevelopmentofrealeconomy,andfindsthatthereisa long-termequilibriumrelationshipbetweenthesupportofABCJingzhoubranchand thedevelopmentofrealeconomy.ThesupportofABCJingzhoubranchisthesingle GrangerofthedevelopmentofrealeconomyBecauseitcaneffectivelypromotethe developmentofrealeconomy;impulseresponsefunctionshowsthatinthelongterm, thesupportofABCJingzhoubranchhasapositiveimpactonthedevelopmentofreal economy,andvariancedecompositionshowsthatinthe20thperiod,thecontribution rateofcommercialbanksupporttothedevelopmentandchangeofrealeconomyisas highas83.21%. III Then,throughSWOTanalysis,thispaperintroducestheadvantages,disadvantages andcurrentproblemsofJingzhoubranchintheprocessofsupportingthedevelopment ofrealeconomy,andmakesthechoiceofStdiversificationstrategy,WTdefense strategy,sogrowthstrategyandwoturnaroundstrategy.Finally,basedontheabove findingsandproblems,thispaperputsforwardsuggestionstoimprovethedevelopment levelofserviceentityeconomyofABCJingzhoubranchfromthemacroandmicro levels:inthemacrofield,thepartyandthegovernmentmustformaharmonious institutionalatmospheretoformarelationshipbetweenbanksandentitiesfor coordinateddevelopment;formaharmoniouscreditatmospheretodispeltheconcerns ofbanksinsupportingentitydevelopment;formandInthemicrofield,thebankmust payattentiontothefieldorientationofitsownplanningandsupport,buildanewcredit system,implementcomprehensiveriskpreventionandcontrol,improvethelevelof strategicmanagementandimprovethemeansofloanpricingTomakeitsown contributiontotheimplementationoftheevolutionoftherealeconomy. Keywords:agriculturalbankofChinaJingzhoubranch;supportingtherealeconomy; strategyresearch. IV 目录 摘要..............................................................................................................I ABSTRACT......................................................................................................II 第1章绪论..................................................................................................1 1.1研究背景..........................................................................................1 1.2研究意义..........................................................................................2 1.3国内外研究现状..............................................................................2 1.3.1国外研究现状........................................................................2 1.3.2国内研究现状........................................................................4 1.3.3文献评述................................................................................4 1.4研究内容和方法..............................................................................5 1.4.1研究内容................................................................................5 1.4.2研究方法................................................................................5 第2章概念界定与理论基础......................................................................6 2.1相关概念界定..................................................................................6 2.1.1商业银行................................................................................6 2.1.2实体经济................................................................................6 2.2金融服务实体经济发展..................................................................7 2.2.1金融业与实体经济的关系....................................................7 2.2.2金融业支持实体经济发展的作用机制...............................8 2．3理论基础........................................................................................8 2.3.1供给侧结构性改革性理论.........................................