陕西省信贷资金产业贡献度及配置效率的实证研究  

The Empirical Studies on the Contribution and Efficiency of the Allocation of the Credit Funds in Different Industries in Shaanxi Province

作　　者：程婵娟[1] 刘锦锦[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：《西部金融》2012年第11期58-61,共4页West China Finance

基　　金：陕西省社会科学基金项目(立项号:11E151)子课题的研究成果

摘　　要：陕西省金融机构信贷的产业分布以及三次产业与银行信贷之间具有长期稳定均衡关系,本文采用DEA模型对陕西省三次产业的信贷资金配置效率进行了实证研究。在此基础上,提出优化配置信贷资金增量、完善贷款定价机制、加快金融服务与产品创新的建议。There exists a long-term equilibrium relationship between the credit allocation in different industries and three industries and the credit of financial institutions in Shaanxi province. The paper uses DEA model to conduct an empirical study on credit alloca- tion efficiency of the three industries. On the above studies, the paper puts forward following recommendations like optimizing alloca- tion of credit＇s increment, improving the pricing mechanism of loans and speeding up the innovation of financial services and products.

关 键 词：产业结构 资金配置 DEA 

分 类 号：F830.31[经济管理—金融学]