欠发达地区信贷结构的实证分析与优化策略  

Demonstration Analysis and Optimization Strategy on the Mechanism of Credit in the Poorly-developed Areas

作　　者：邱跃民[1] 胡益顺[1] 唐友伟[1] 

机构地区：[1]中国人民银行盐城市中心支行,江苏盐城224001

出　　处：《长春金融高等专科学校学报》2006年第1期16-19,共4页Journal of Changchun Finance College

摘　　要：信贷结构的调整优化是一个动态、持续的过程,不仅取决于金融部门的目标取向和经营行为,还要受经济、社会、市场、客户、环境等诸多不确定因素的影响和制约,关键是要加快商业银行信贷体制改革,构建多元化融资体制,积极鼓励和引导金融创新。针对“十五”期间苏北盐城市的银行信贷结构变化情况及其不尽合理的现实状况,应从经济金融体制深层次方面分析其成因,进而提出加强宏观调控和政策引导,调整和优化信贷结构,提高资源配置效率的对策措施。The adjustment and optimization of the mechanism of credit is a dynamic and persisting process, which lies on not only the target orientation and managing conduct of financial department, but also is affected and restrained by kinds of uncertain factors, such as in economy, society, market, customers and environment. The key points lie in quickening the credit system reform in commercial banks, reconstructing the multi-entity financing system, and positively encouraging and leading the financial innovation. During the tenth ＂five-year-plan＂, in the Yancheng Bank of northern Suzhou, the change in bank credit structure and the unreasonable present situation is caused by the financial system in economy. It is aimed at strengthening the macroeconomic control and strategic induct, adjusting and optimizing credit structure and improving the measures in resources disposition efficiency.

关 键 词：信贷结构 信贷需求 信贷集中 

分 类 号：F830.51[经济管理—金融学]