银行信贷过度集中的理论解释及对策分析  

Theoretical Explanation and Countermeasures of Excessive Credit Concentration

作　　者：梁涛[1] 

机构地区：[1]广东金融学院,广东广州510521

出　　处：《南方金融》2009年第11期19-22,共4页South China Finance

摘　　要：当前我国银行业过度信贷集中问题突出,不仅降低了银行资金的使用效率,加大银行危机发生的概率,而且加剧了我国区域经济发展不平衡;同时在客观上形成了中小企业融资难问题,制约了中小企业的发展,增加了我国宏观经济的不稳定性。本文对银行信贷集中问题进行了理论上的解释,并且提出了建立健全信用担保体系和社会征信体系、鼓励银行进行贷款模式的创新、发展适合中小企业的信贷产品、设立存款保险机构、加强对银行信贷集中的监控和引导的对策。Excessive credit concentration in China＇s banking industry not only reduces the efficiency in the use of bank funds, increases the probability of occurrence of banking crises, but also exacerbates the imbalance in China＇s regional economic development. Meanwhile, it also objectively forms the difficulties in financing small and medium-sized enterprises, constraining the development of SMEs, thus increasing our country＇s macroeconomic instability. This paper provides a theoretical explanation of the excessive credit concentration. The author also proposes establishing a sound credit guarantee system and social credit system, encouraging banks to innovate on loan model, developing credit products for small and medium enterprises, setting up deposit insurance institutions and strengthening the supervision and guidance of bank credit.

关 键 词：信贷集中 均衡信贷配给 羊群效应 金融监管 征信体系 

分 类 号：F832.4[经济管理—金融学]