商业银行信贷集中对经济金融运行的影响及对策研究  

Influence of loan concentration on economy and finance and the countermeasures of commercial bank

作　　者：孙琴月[1] 

机构地区：[1]福建农林大学经济与管理学院,福建福州350002

出　　处：《福建农林大学学报（哲学社会科学版）》2008年第6期52-56,共5页Journal of Fujian Agriculture and Forestry University(Philosophy and Social Sciences)

摘　　要：从信贷集中问题的具体表现入手,通过分析信贷集中产生的原因,如国家政策的干预、银行经营观念的转变、信贷管理体制高度集中、银行间恶性竞争等,揭示了信贷集中带来的负面影响,如引发系统性金融风险、不利于中小企业从银行获得资金、不利于区域经济的协调发展,提出了相应的解决信贷集中问题的对策建议。This paper illustrates the present situation of loan concentration and then gives a deep analysis of the causes, such as government policies, the view of bank management high loan-concentration system, bad competition between banks and reveals the harmful influence of loan concentration on economicy and finance, such as risk of finance,middle-small sizes corporate being difficult to obtain loan from banks,and unfavourable for coordinated development of regional economicy. Accordingly the corresponding countermeasures to solve the loan concentration are proposed.

关 键 词：信贷集中 信贷管理创新 信贷集中度监管 

分 类 号：F830[经济管理—金融学]