摘要
选取2009-2018年我国30个省市自治区的面板数据,运用面板工具变量法(Panel-IV),从规模和结构维度分析我国银行信贷与实体经济增长关系的区域性差异。结果表明:信贷规模对三大区域实体经济增长的影响存在较大的差异,东、中部地区信贷规模与实体经济增长呈U型关系,西部地区呈倒U型关系;信贷的期限结构、主体结构、币种结构和产业结构对三大区域实体经济增长的影响也存在较大差异。大力发展实体经济和银行业,以银行业发展促进实体经济发展,在未来的几年实施差异化和结构化的信贷政策,可以改善信贷资源服务实体经济增长的效果。
The panel data of 30 provinces,municipalities and autonomous regions in China from 2009 to 2018 were selected,and the panel instrument variable method(Panel-IV)was used to analyze the regional differences in the relationship between China's bank credit and real economic growth from the scale and structure dimensions.The impact of credit scale on the real economic growth of the three regions is quite different.The credit scale of the eastern and central regions has a U-shaped relationship with the growth of the real economy,while the western region has an inverted U-shaped relationship.There are also great differences in the impact of structure and industrial structure on the growth of the real economy in the three regions.Vigorously develop the real economy and the banking industry,promote the real economy with the development of the banking industry,and implement differentiated and structured credit policies in the next few years to improve the effectiveness of credit resources in serving the real economy.
作者
谢朝华
邓亚波
刘玲杉
裴文婷
XIE Chaohua;DENG Yabo;LIU Lingshan;PEI Wenting(School of Economics and Management, Changsha University of Science and Technology,Changsha,Hunan 410114,China)
出处
《财经理论与实践》
CSSCI
北大核心
2020年第3期31-38,共8页
The Theory and Practice of Finance and Economics
基金
国家社会科学基金项目(15BJY176)。
关键词
信贷规模
信贷结构
实体经济
区域化差异
信贷发展
credit scale
credit structure
real economy
regional differences
credit development
作者简介
谢朝华(1968—),男,湖南华容人,经济学博士,长沙理工大学经济与管理学院副教授,研究方向:金融发展与经济增长。
