中国区域信贷配给现状及区域差异分析  

The Status Quo of Regional Credit Rationing in China and the Regional Discrepancy

作　　者：任建军[1,2] 

机构地区：[1]湖南大学经贸学院 [2]中国工商银行湖南省分行信贷管理部

出　　处：《金融论坛》2009年第10期12-19,共8页Finance Forum

摘　　要：在全球经济金融危机影响下,信贷成为推动我国经济发展的原动力,但目前我国区域信贷配给差异化现象相当严重,出现"经济发达区域信贷配给弱化,经济落后区域信贷配给强化"的空间差异状况,这在一定程度上影响和阻碍了区域经济发展。文章认为区域经济发展差异、宏观调控货币政策传导机制的区域差异、信贷政策的"一刀切"、存款准备金率的区域一致性和利率实质上的区域差异性、信贷管理体制的变革和信用环境差异等是造成信贷配给区域差异化的原因,正确认识上述原因,是有效消除信贷配给区域性和促进区域经济协调发展的根本前提和重要保证。Under the background of global financial crisis, credit has become the primary drive to push the development of Chinese economy. However, credit rationing appears severe regional discrepancy, which is characterized by weakening credit rations in developed regions and intensifying credit rations in under-developed regions. Such spatial discrepancy will negatively impact regional economic development to some extent. The paper argues that such phenomenon results from many factors, such as discrepancy of regional economic development, regional difference in monetary policy transmission mechanism, inflexible monetary policies, regional uniformity of deposit reserve ratio versus essentially regional difference in interest rate, the change of credit management system and the regional difference of credit environment. Correctly understanding the above-mentioned causes is the fundamental premise and important assurance to effectively eliminate the regional discrepancy of credit rationing and promote the coordinated development of regional economy.

关 键 词：信贷配给 区域差异 区域经济 区域信贷 

分 类 号：F832.4[经济管理—金融学]