区域金融生态环境演化与家庭借贷行为——基于中国30个省级区域的面板数据

发布时间：2018-04-22 16:12

  本文选题：金融生态环境 + 家庭借贷行为　； 参考：《当代经济管理》2017年04期

【摘要】：利用中国30个省级区域2006~2013年的相关统计数据,构建动态面板模型,并运用系统GMM估计方法,考察区域金融生态环境演化对家庭借贷行为的影响。结果表明:金融生态环境演化对家庭借贷行为具有显著的正向影响;金融生态环境较好区域(Ⅰ区和Ⅱ区)的金融生态环境演化对家庭借贷规模的影响程度要高于金融生态环境较差区域(Ⅲ区);金融生态环境评价指标体系中各准则层变量对家庭借贷行为的影响各异,且各区域间的差异化程度较明显。因此,政府及有关部门应依据金融生态环境评价的量化结果,实施针对性的调控政策,改善区域金融生态环境质量,进而推动各区域家庭债务规模的适度增长。
[Abstract]:Based on the statistical data of 30 provincial regions in China from 2006 to 2013, the dynamic panel model is constructed and the influence of the evolution of regional financial ecological environment on household lending behavior is investigated by using the systematic GMM estimation method. The results show that: the evolution of financial ecological environment has a significant positive impact on household lending behavior; The influence of the evolution of the financial ecological environment on the scale of household borrowing in the regions with better financial ecological environment (region 鈪，

本文编号：1787953