农村信贷配给实证分析

发布时间：2018-03-03 03:36

  本文选题：农村信贷配给　切入点：制度因子　出处：《财经理论与实践》2012年05期 　论文类型：期刊论文

【摘要】：信贷配给是制约我国农村信贷市场建设的重要因素,也阻碍了农村金融环境优化、影响了农村经济的良性发展。通过引入制度因子,量化信贷配给,构建了信贷配给宏观计量模型,对我国农村信贷配给状况进行实证检验,结果证明,利率和制度因子是造成我国农村信贷配给的两大因子。应合理调控利率、推进深化改革、加大三农扶持力度,实现农村经济社会的和谐发展。
[Abstract]:Credit rationing is an important factor restricting the construction of rural credit market in China. It also hinders the optimization of rural financial environment and affects the benign development of rural economy. The macro-econometric model of credit rationing is constructed, and the empirical test on the situation of rural credit rationing in China is carried out. The results show that the interest rate and institutional factor are the two major factors that cause the rural credit rationing in China, and the interest rate should be controlled reasonably and the reform should be deepened. Increase support for agriculture, rural areas, and realize the harmonious development of rural economy and society.
【作者单位】： 湖南大学金融与统计学院;
【基金】：国家社科基金(09BJY104)
【分类号】：F832.43;F224
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本文编号：1559410