基于信用扩张的金融安全研究评述

发布时间：2018-05-30 10:43

本文选题：金融危机 + 信用扩张　；参考：《中国流通经济》2010年02期

【摘要】：本文认为,信用过度无序扩张导致金融系统不断积累风险直至最终爆发。信用扩张在金融风险扩大过程中起主导作用,银行信贷扩张可以通过多样的流动性效应使大量资金流向股市等虚拟经济领域,推动能源、原材料以及房地产等资产价格快速上涨。信用过快扩张会加剧我国经济、金融结构失衡,阻碍产业升级和经济增长方式的转变,最终影响经济与金融体系的安全及稳定。
[Abstract]:This paper holds that the excessive and unordered expansion of credit causes the financial system to accumulate risks until the final outbreak. Credit expansion plays a leading role in the process of financial risk expansion. Bank credit expansion can flow a large number of funds to the virtual economy, such as stock market, and other assets, such as energy, raw materials and real estate through various liquidity effects. Prices are rising rapidly. The rapid expansion of credit will aggravate the economy of our country, the imbalance of the financial structure, the transformation of industrial upgrading and the way of economic growth, and ultimately affect the security and stability of the economic and financial systems.
【作者单位】：中国人民大学财政金融学院;
【分类号】：F830

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