信贷退出优化产业结构的机理分析  

Analysis on the Mechanism of Credit Quit for Optimizing Industrial Structure

作　　者：黄伟[1,2] 

机构地区：[1]江西财经大学产业经济研究院 [2]中国工商银行江西省分行信贷管理部

出　　处：《金融论坛》2010年第3期26-32,共7页Finance Forum

基　　金：江西省研究生创新专项资金项目(YC09A068)的资助

摘　　要：产业结构状况是一国社会经济发展水平的标志,优化的产业结构会极大地推动经济的发展。信贷退出是保证产业结构优化调整,促进产业结构转换的直接推动力。信贷退出须具备支持产业结构调整所需的功能,并能影响产出结构和需求结构。信贷退出通过政策性信贷退出、信贷限制、差别利率以及市场性信贷退出活动来支持产业选择,通过对产业结构合理化和高度化的推动和促进作用来支持产业结构的调整和优化。信贷退出作用于产业结构的过程可概括为:信贷退出—资金流量结构—生产要素配置结构—资金存量结构—产业结构。Industrial structure is a symbol of a nation＇s socio-economic development level, and an optimized industrial structure can greatly promote economic development. Credit quit is a direct driving force to ensure optimal adjustment of industrial structure and promote its transformation. Credit quit must possess the functions required by adjustment of industrial structure, and can influence production structure and demand structure. Credit quit can support industry selection by the effects of policy credit quit, credit limit, differential interest rate and market credit quit, and favor adjustment and optimization of industrial structure through driving and promoting rationalization and upgrade of industrial structure. The working mechanism of credit quit on industrial structure can be summarized as follows： credit quit--capital flow structure--allocation structure of production factors--capital stock structure--industrial structure.

关 键 词：商业银行 信贷退出 产业结构 信贷结构 资源配置 

分 类 号：F832.4[经济管理—金融学] F121.3