信贷配给对区域经济增长的影响研究

发布时间：2018-01-26 17:21

本文关键词： 信贷配给区域经济增长转型时期差异性　出处：《湖南大学》2013年硕士论文　论文类型：学位论文

【摘要】：随着经济总量的高速发展，区域经济发展的差距也日益扩大，从1998年央行取消信贷规模控制以来，中国出现了信贷配给现象。由于目前为止还没有统一公认的信贷配给定义，而现代的信贷配给理论也只在一定程度上适用中国，因此经济转型时期的信贷配给现象仍有待特别的解释。本文以“提出问题—分析问题—解决问题”的逻辑思路，研究了信贷配给对区域经济增长的影响，具有理论和现实意义。首先，以前人研究的为基础，给出本文对信贷配给的定义，即均衡与非均衡信贷配给契合所形成的双重信贷配给，并分别阐述了均衡信贷配给与非均衡信贷配给的形成机制，以及探讨了信贷配给对区域经济增长的影响。接着，通过区域经济数据对我国四大区域的信贷配给差异性现状、区域经济发展不平衡的现状分别进行分析，直观描述了四大区域间存款、贷款、存贷差和存贷比的区域差异显著，客观反映了信贷配给的区域差异，同时从GDP与人民生活水平两方面分析出我国区域经济发展呈现出东部领跑，区域间经济发展差距日益扩大的现状，并分别对区域经济发展现状和信贷配给区域差异的现状进行成因分析。然后，本文选取我国31个省（市、区）1998年到2010年的面板数据，，按照本文对信贷配给的定义，给出信贷配给指标，在此基础上分区域就信贷配给对区域经济增长的影响进行实证研究。研究发现信贷配给对区域经济增长的影响在四个区域具有差异。最后，本文根据实证得出的结论，有针对性地从缓解区域经济发展不平衡、改善区域法制信用环境、进行信贷体系改革、实施差别化的宏观调控政策、推进利率市场化改革这五方面提出对策建议，以期能够从信贷配给角度为中国的区域经济非均衡协调发展提供政策参考。
[Abstract]:With the high - speed development of the total economy , the gap between the regional economic development has been expanded . Since the central bank cancelled the credit scale control in 1998 , there has been a credit rationing phenomenon in China . Since the credit rationing theory has not been uniformly accepted so far , the credit rationing phenomenon in the period of economic transformation still needs to be explained in particular . First , on the basis of previous studies , this paper gives the definition of credit rationing , that is , the double credit rationing of equilibrium and non - equilibrium credit rationing , and expounds the mechanism of equilibrium credit rationing and non - equilibrium credit rationing , and discusses the effect of credit rationing on regional economic growth . Then , through the analysis of the present situation of credit rationing in the four regions of our country and the unbalanced situation of regional economic development through regional economic data , the present situation of regional economic development in China is analyzed . Finally , according to the conclusion drawn from the demonstration , this paper puts forward the policy reference from the angle of credit rationing to the development of regional economic non - equilibrium coordinated development of China from the viewpoint of unbalanced economic development of the region , improving the credit environment of regional legal system , carrying out the reform of credit system , implementing macro - control policy of differentiation , and pushing forward the reform of interest rate .

【学位授予单位】：湖南大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F127;F832.4

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