金融机构信贷资金期限匹配问题研究:以西部地区为例  

A Study on Term Matching of Credit Funds Based on West-China Financial Institutions

作　　者：申建文[1] 

机构地区：[1]西安交通大学经济与金融学院,陕西西安710061

出　　处：《四川大学学报（哲学社会科学版）》2011年第3期68-74,111,共8页Journal of Sichuan University：Philosophy and Social Science Edition

基　　金：教育部人文社会科学研究基金项目(08JA79100);国家社科基金项目(09XJL013)的阶段性成果

摘　　要：存款活期化、贷款中长期化并存的信贷资金期限配置现象,已成为经济金融运行中重点关注的问题。从经济主体利润最大化、经济结构、历史政策因素、融资体制制约、金融统计指标等多角度,诠释了西部地区金融机构信贷资金期限相匹配的客观性和合理性,提出西部金融机构可持续发展的政策建议。The coexistence of deposits switching to current accounts and loans presenting medium and long term has been a focus in China＇s financial and economic operation.Some scholars argue that it is the typical case of term mismatching of credit funds,which will produce the liquidity risk.However,few scholars have attempted to address this problem.Taking various factors into consideration,this paper illustrates how a mechanism of credit funds matching can be objectively and rationally established in West-China financial institutions and puts forward suggestions for the sustainable development of these institutions

关 键 词：存款活期化 贷款中长期化 期限匹配 

分 类 号：I830.51[文学]