信贷控制与中国经济平稳增长

发布时间：2018-01-06 18:39

本文关键词：信贷控制与中国经济平稳增长　出处：《学术论坛》2012年01期 　论文类型：期刊论文

【摘要】：首先通过模型考察了信贷限额对保证经济平稳发展的重要作用,指出,信贷限额手段可以通过规避社会陷入Minsky的"Ponzi融资"模式,而将经济拉回至平衡增长路径,保证了经济的可持续和平稳发展。同时,用误差修正模型对信贷限额政策进行回归分析,发现虽然央行在1998年之后仅仅给出了指导性信贷发放量标准,商业银行的执行力却很值得称道。同时,我们用GMM模型证实了信贷量对经济增长的推动以及减少经济波动的作用。因此,信贷限额手段对保证信贷量理性发放、保证经济平稳发展具有重要作用。
[Abstract]:First of all, the paper examines the important role of credit limit in ensuring the smooth development of economy through the model, and points out that the means of credit limit can be used to avoid the "Ponzi financing" mode of society falling into Minsky. And pulling the economy back to the balanced growth path, which ensures the sustainable and stable development of the economy. At the same time, we use the error correction model to carry on the regression analysis to the credit limit policy. It has been found that although the central bank has only given a standard for the issuance of guiding credit since 1998, the executive power of commercial banks is commendable. At the same time. We use the GMM model to prove the role of credit volume in promoting economic growth and reducing economic fluctuations. Therefore, credit limit means play an important role in ensuring the rational distribution of credit volume and the smooth development of economy.
【作者单位】：中国人民大学经济学院;
【分类号】：F832.4
【正文快照】： 一、信贷控制的改革历程信贷控制也即中央银行通过调控信贷总规模或基础货币总量,而对社会货币信贷总量实行目标管理的一种宏观管理措施。从历史上看,我国从1981年开始实行信贷计划管理体制,之后10年中一直对存贷款严格而谨慎地管制,不论是统存统贷、差额包干、实贷实存,都是

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