信贷融资结构与区域经济发展——基于山东省金融发展的实证分析

发布时间：2018-05-26 00:02

本文选题：信贷融资 + 山东省　；参考：《山东财经大学学报》2015年06期

【摘要】：采用山东省1978-2013年的样本分别就信贷融资对山东省经济发展的关联性及地区效率差异做出了相关实证分析。结果表明,信贷总量对山东省经济增长存在正向促进作用;而信贷融资结构的影响则并不均衡,其中工业贷款和商业贷款的正向促进作用相对较强。从动态角度来看,总的信贷投放量受到外界变量的正向冲击后,会对经济增长产生正向的促进作用,同时这种影响会随时间逐渐增强。与此相反,行业信贷结构的变化会由于外界扰动项的冲击,短期内呈现负向冲击,不利于经济水平的提高。从投入产出效率来看,得到政策扶持的半岛地区城市的信贷融资对经济发展的促进作用明显,综合效率值高,而山东省西部地区信贷结构并没有达到最优化,还存在调整改善的空间。
[Abstract]:Using the sample of Shandong Province from 1978 to 2013, this paper makes an empirical analysis on the relevance of credit financing to the economic development of Shandong Province and the regional efficiency difference. The results show that the total amount of credit has a positive effect on the economic growth of Shandong Province, while the influence of credit financing structure is not balanced, among which the positive promotion effect of industrial loan and commercial loan is relatively strong. From a dynamic point of view, the total amount of credit will have a positive impact on economic growth after the positive impact of external variables, and this effect will gradually increase over time. On the contrary, the change of industry credit structure will be negative impact in the short term due to the impact of external disturbances, which is not conducive to the improvement of economic level. From the point of view of input-output efficiency, the credit financing of the cities in the Peninsula region, supported by the policy, plays a significant role in promoting economic development, and the comprehensive efficiency is high. However, the credit structure in the western part of Shandong Province has not been optimized. There is room for adjustment and improvement.
【作者单位】：山东财经大学金融学院;山东省烟台市经济技术开发区金融工作办公室;
【基金】：山东省软科学研究计划项目“金融信贷结构对山东区域经济发展的影响研究”(2014RKB0180)
【分类号】：F832.4

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