我国信贷配给区域间差异及市场分化模型  

THE MODEL OF CREDIT RATIONING UNDER THE CONDITION OF DIFFERENT REGIONS AND MARKET SEGMENTATION

作　　者：何建明[1] 田银华[1] 张德常[1] 

机构地区：[1]湘潭大学商学院

出　　处：《经济地理》2007年第1期52-55,共4页Economic Geography

摘　　要：由于我国不同区域间发展极不平衡,其中比较突出的是农村和城市、东南沿海和中西部地区之间,导致了我国信贷市场区域分化。信贷市场区域分化越严重,银行越会忽视部分弱势地区,而把资金集中在部分发达地区。近年来我国信贷资金这种区域集中现象越来越明显,不同区域表现出了巨大的信贷差异。文章首先通过部分相关数据和信贷调查分析了我国信贷市场的区域分化,然后建立了信贷配给的区域分化模型,分析不同区域间信贷差异以及信贷集中。最后给出了相关的结论和建议。Development of different regions in China is extremely imbalaneed, as for between the countryside and the city, and between the east area and the middle - west area, which brings on the credit market segmentation for different regions. The more credit market segmentation is serious, the more the bank will neglect the weak area, and put the fund in the developed area. Credit centralization is becoming more and more serious, and credit treatment is very different for different region. The paper firstly analyzes the credit market segmentation through the data and some credit investigations, then establishes the credit rationing segmentation model to analyze the credit difference, and credit centralization. Finally the paper gives the related conclusion and suggestions.

关 键 词：信贷配给 市场分化 信贷集中 

分 类 号：F830.5[经济管理—金融学]