An analysis of the current economic and financial situation in the course of Graduate education and university rankings

I. The subject of the postgraduate course in financial economics

Ideological and political theory, English one, mathematics three

Second, financial economics major postgraduate university rankings

Tsinghua University, Beijing University, Fudan University, Renmin University of China, Central College of Finance and Economics, Shanghai University of Finance and Economics, Northeastern University of Finance and Economics, Sichuan University of Finance and Economics, Zhongshan University, Ocean University, Southwest University of Finance and economics

Iii. current economic and financial Situation analysis

Financial economics Graduate School teaching material Course _ Professional University Ranking _ current economic and financial Situation analysis

Main characteristics of economic and financial operation

Macroeconomic shows a steady and rapid development trend. In 2004, on the basis of the emphasis on the development of iron and steel, cement, electrolytic aluminum and other overheated industries, the first half of 2005 countries focused on the large scale of real estate investment, real estate price rise too fast and unreasonable export structure, and achieved obvious results, The national economy in general has entered a stable and rapid development track, in recent years the best development period. Some prominent problems have been alleviated, the indicator of excessive growth has obviously fallen back, the control is controlled, the strengthening of the apparent strengthening, the continuation of the stay, the fall of the present fall, in line with all aspects of regulatory expectations. Focus on: GDP growth continues to remain at around 9.5%, showing strong stability, investment has been significantly controlled, urban fixed asset investment increased 26.4%, of which real estate investment growth of 24.3%, Compared with the same period a year earlier, 8.4% and 7.7%, some regions of the rapid rise in real estate prices have been suppressed; industry continued to grow faster, the increase in industrial growth of more than 16.3%, the growth rate of the same period slowed by 1.8%, to a reasonable pace; agriculture maintained good development, In 2005, the National grain planting area is expected to be 1.6 billion acres, an increase of 2.3% compared with the previous year, the steady development of market sales, the total retail consumption of consumer goods increased by 13.2%, the real growth of 11.9%, the actual increase in the year earlier than 1.6%, continue to maintain a relatively rapid growth; The total level of national consumer prices has risen 2.4%, below the year-earlier period of 0.9%, a monthly decline in the trend. The coordinated operation of the above-mentioned macroeconomic fields has created a good environment for the sound development of the banking industry.

Bank monetary credit keeps running smoothly. In the first half of this year, money supply growth rebounded and M1 continued to maintain low levels of growth. Deposits and enterprise deposits maintained an upward trend, with the first rebound in loan growth, while the substantial increase in State bank lending was the main cause of the apparent rebound in lending growth. In June, the state-owned commercial banks increased the monthly loans of 199.3 billion yuan, more than 68.7 billion yuan, accounting for the monthly increase in the amount of 41.5%. The increase in state-owned bank loans is mainly the bill financing and short-term loans increased more, the month bill financing increased by 62.8 billion yuan, more than 38.7 billion yuan, short-term loans increased by 54.7 billion yuan in the month, more than 27.2 billion yuan. At the end of June, the loan balance of state-owned commercial banks was 10 trillion yuan, an increase of 535.7 billion yuan from the beginning of the year, a small increase of 186.6 billion yuan, 8.7%, compared with the beginning of the year 2.9%. 4 state-owned commercial banks have a balance deposit ratio of 63.2%, the first 6 months of this year, the increase in loan-to-deposit ratio was 43.1%, up 9.8% from the previous month, down 25.3%.

Issues of concern in economic and financial operation

Bank credit continues to focus on large clients, and small business financing is difficult. According to statistics, the Big Customer award * * * continued to increase, credit continued to focus on large clients. At the end of May 2005, more than billion credit or loan of large customers for 16,500 households, more than the last year to increase 280 households, the large customer credit line of 10.6 trillion yuan, the loan balance of 7.2 trillion yuan, respectively, the last year increased 329 billion yuan and 393.7 billion yuan. The balance of major clients ' loans accounted for 47.9% of the total loan balances of 17 major banks (excluding agricultural distribution and Zhejiang Merchants Bank), an increase of 1% over the last year. Judging from the average loan balance of a single customer, the average loan balance of a single big client at the end of May was 440 million yuan, an increase of 20 million yuan last year. Due to the reasons of risk change, the objective of raw material prices and transport costs are high, while small enterprises to resist the risk of weak capacity, cash flow reduction, financing difficulties. The difficulty of financing small enterprises is a big problem in all countries, and it is a long-term existence in our country, but it has not been solved very well, it needs to arouse wide attention, cooperate and take comprehensive measures to solve it.

Energy shortage and high price restrict the sustained and rapid economic development. Coal and oil transport tension has been a serious problem plaguing our economy. From the supply of coal and oil for the last two years, it should be said that the growth is not slow. Energy production grew by 9.4% this year in January-May, with crude production growing 5% per cent, up 3.2% from a year earlier, and coal production growing 8.9% per cent, down 7.2% from a year earlier. At the same time as the increase of energy production, strengthen the supply regulation, the coal exports slowed down, the oil imports increased, but the energy shortage problem still exists, coal and oil transport tensions have not eased. In January-May this year, raw materials, fuel, power purchase prices rose 10% year-on-year, higher than the same period of 1.4%. May crude oil prices rose 43.4%, coal prices rose 25.9%. The reasons for the unreasonable demand caused by the scale of investment and high energy-consuming industries (including foreign investment) rapid growth, China's enterprises low energy efficiency is also a key issue. At present, China's main industrial products single consumption level than abroad more than 20%. It is estimated that our country consumes 4.3 times times as much energy per $1 trillion as America, 7.7 times times the size of Germany and France and 11.5 times times as much as Japan. The high energy consumption of Chinese enterprises reflects the unreasonable situation of our country's industrial and product structure and the extensive, backward and non-economical consumption mode of our country's enterprise production mode. This situation, in the long run, restricts the sustained and rapid development of the economy, and in the short term, the energy supply is tight and prices soar, which affects the production and operation of downstream enterprises, resulting in higher cost and lower efficiency of downstream enterprises.

Enterprise digestion ability is poor, economic benefits appear obvious decline. Due to the cooling of some of the overheated industries, a number of industry oversupply contradictions appear, enterprise product sales growth fell back, coupled with extensive business management, product service adjustment change ability is poor, digestion cost capacity is insufficient, profit space is obviously compressed, resulting in economic decline.

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An analysis of the current economic and financial situation in the course of Graduate education and university rankings