我国信贷资金配置效率的区域比较研究

发布时间：2018-01-24 11:14

本文关键词： 信贷资金区域配置效率边际生产力均等法 C-D生产函数　出处：《浙江理工大学》2013年硕士论文　论文类型：学位论文

【摘要】：金融资源作为经济资源的核心，其配置效率直接影响到其它经济资源的使用效率，因此区域间和区域内金融资源的配置效率对于整个经济资源的有效配置至关重要。而金融资源以银行业为主导的我国，，银行信贷无论从国民经济的贡献度还是金融资源总量占比来看，均处于绝对的优势地位。鉴于信贷资金作为一种影响我国区域经济发展的核心资源，评价我国信贷资金在不同区域配置达到最佳经济效益的程度就显得尤为重要。而研究和分析造成不同区域信贷资金配置效率差异的具体因素，也将为改善信贷资金区域配置效率指明政策方向。本文首先通过借鉴国内外已有的理论和实践研究，分析了资源效率和信贷资金区域配置的一般理论。接着在对我国信贷资金区域配置现状进行分析研究的基础之上，选用边际生产力均等法，以我国各省市自治区1985-2009年间数据为样本，对我国各省市自治区的信贷资金配置效率做出测度，并进行横向比较分析，分析表明，我国1985-2009年间及2008、2009两年信贷资金区域配置效率总体呈现出稳步上升趋势，区域层面则表现为东部、西部、中部逐级递减的趋势，且仅有东部区域的效率值高于全国同期平均水平的态势。之后，本文进一步探究了我国信贷资金在区域配置效率上存在的问题，并通过构建多元回归模型对影响我国2008、2009两年间信贷资金区域配置效率的因素作出进一步规范分析和实证检验。最后，本文在基于前文理论及实证分析的基础之上，提出了提高我国信贷资金区域配置效率的政策建议：强化政府服务、引导职能，弱化对信贷市场的直接干预；强化我国银行业市场化进程，加快推进国有商业银行治理结构改革；加快推进放宽银行业准入监管承诺，营造竞争性的信贷市场环境；加快推进我国金融市场市场化进程，拓宽融资渠道。
[Abstract]:Financial resources as the core of economic resources, its allocation efficiency directly affects the use of other economic resources. Therefore, the allocation efficiency of financial resources between regions and regions is very important for the effective allocation of the entire economic resources, and financial resources are dominated by the banking industry in China. Whether from the contribution of the national economy or the proportion of financial resources, bank credit is in an absolute dominant position. In view of the credit funds as a core resource that affects the development of regional economy in China. It is particularly important to evaluate the degree of optimal economic benefit of the allocation of credit funds in different regions in China, and to study and analyze the specific factors that cause the differences in the allocation efficiency of credit funds in different regions. Will also improve the efficiency of regional allocation of credit funds to show policy direction. First of all, this paper draws lessons from the existing theoretical and practical research at home and abroad. This paper analyzes the general theory of resource efficiency and regional allocation of credit funds. Then on the basis of analyzing and studying the present situation of regional allocation of credit funds in our country, we choose the method of equal marginal productivity. Taking the data from 1985 to 2009 as a sample, this paper measures the efficiency of credit allocation of provinces, municipalities and autonomous regions in China, and makes a horizontal comparative analysis, which shows that. From 1985 to 2009 and from 2008 to 2009, the regional allocation efficiency of credit funds in China has shown a steady upward trend, and the regional level is shown in the east and west. The trend of gradual decline in the central region, and only the efficiency of the eastern region is higher than the national average level of the same period. After that, this paper further explored the problems in the regional allocation efficiency of credit funds in China. And through the construction of multiple regression model to the impact of China's 2008 / 2009 two years of credit funds allocation efficiency factors to further normative analysis and empirical test. Finally. Based on the previous theory and empirical analysis, this paper puts forward some policy suggestions to improve the efficiency of regional allocation of credit funds in China: strengthening government services, guiding functions and weakening direct intervention in the credit market; Strengthening the marketization process of China's banking industry and speeding up the reform of the governance structure of state-owned commercial banks; Speeding up the liberalization of banking market access commitments to create a competitive credit market environment; We will speed up the process of marketization of our financial markets and broaden our financing channels.
【学位授予单位】：浙江理工大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.4

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