【作者】 王珂；

【导师】 张强；

【作者基本信息】 湖南大学 ， 金融学， 2014， 硕士

【摘要】 文化产业的发展符合国家产业结构升级的政策要求，能满足人们精神文化需求并提高我国文化竞争力。但目前我国文化产业信贷支持与其良好发展态势不相匹配的现实情况限制了文化产业健康持续发展。相比传统产业而言，文化产业兼具有物质属性与精神属性，其产品的核心在于创意。因而文化产业呈现固定资产占比较低、规模较小和现金流难以预期等特征。文化产业的这些特征又与传统信贷要求不匹配，对文化产业的信贷支持力度产生了负面影响。本文首先从两条线对两大主题概念进行理论分析：一条线分析文化产业内涵、分类与特征，以及其发展的经济意义，这是全文的出发点；另一条线分析信贷支持的影响因素，这是后文实证分析的理论基础。然后提出信贷金融支持从促进文化产业生命周期以及产业集聚两条路径将前面两条线联结到一起，形成完整的理论基础。本文接着从文化产业自身特征、金融体系与金融监管以及政府配套设施建设的角度定性分析了文化产业信贷支持不足的原因。同时，通过应用均值分析与双线回归模型，对文化企业与非文化企业的微观样本数据进行分析，最终证明了文化企业特有的财务特征和银行的差别待遇均对文化企业的信贷支持产生负面影响的结论，证明了前文现实原因的存在。本文最后基于我国文化产业信贷支持与其发展的良好态势不相匹配的问题，借鉴定性和定量的原因分析结果，从商业银行、文化企业、政府三个维度提出了六个方面对完善我国文化产业信贷支持的对策建议。更多还原

【Abstract】 Development of cultural industry will upgrade the industrial structure, meet thepublic spiritual and cultural needs, and accord with China’s cultural strategic needs ofcompetitive improvement. However, the credit support of cultural industry does notmatch the good posture of cultural industry development in China, which has becomea bottleneck of cultural industry development. Compared to traditional industries,cultural industry has both material and spiritual properties, because their products liein creativity. Thus, cultural industry shows a series of characteristics such as lowerproportion of fixed assets, smaller scales, and unpredictable cash flow, which do notmatch the need of traditional credit requirements and had a negative impact on creditsupport of cultural industry.The paper firstly analyses two concepts in two theoretical lines: a lineintroducing the definition, classification, characteristics and the economicsignificance of cultural industry, which is the start point of the paper; the other lineintroducing the factors of credit support. And then links two concepts togetherthrough the mechanism of credit support which promote the life cycle and industrialagglomeration of cultural industry, as the theoretical foundation of the thesis.The paper secondly analyses the reason of credit support lacking from theperspective of cultural industry characteristics, financial system, financial regulationand the government supporting facilities in realistic analysis. Besides, on the basis ofthe qualitative analysis and the application of mean analysis and two-regressionmodel, the paper analyses microscopic sample data of cultural enterprises andnon-cultural enterprises and proves that the characteristics of cultural enterprises andthe banks’ differences in treatment have negatively affect on the credit support, whichhave proven the reason stated in realistic analysis.Finally, the paper put forward proposals to improve my credit support culturalindustry from three dimensions including commercial banks, cultural enterprises andgovernment, based on the problem that the lack of credit support of Chinese culturalindustry does not match the good posture of cultural industry development, and therealistic and empirical analysis.更多还原