区域信贷增长影响因素的实证分析——以广东地区为例  

An Empirical Analysis of Regional Loan Growth:Case of Guangdong Province

作　　者：曾俭华[1] 

机构地区：[1]中国建设银行广东省分行,广东广州510045

出　　处：《南方金融》2010年第1期18-20,共3页South China Finance

摘　　要：本文以弗里德曼货币需求函数为基础,通过构建区域信贷增长模型,对1998-2008年广东地区信贷增长的因素进行了实证分析。研究结果表明:区域经济总量、整体价格预期和利率水平是影响区域信贷增长的三个主要因素,其中区域经济总量、整体价格预期与区域信贷总量的相关性尤为明显。本文研究结论对于商业银行信贷业务经营具有一定指导意义。Based on the Milton Friedman＇ s monetary demand function, this paper makes an empirical analysis on the main factors affecting regional loan growth in Guangdong from 1998 to 2008. The results show that regional economic scale, overall price expectation and interest level are the three main affecting factors with the former two factors being extremely influential. This conclusion has some meaning of guidance to the loan business of commercial banks.

关 键 词：信贷增长 货币需求函数 实证分析 

分 类 号：F832.4[经济管理—金融学]