基于市场经济效率视角的信贷政策有效性研究  

Research on Credit Policy Based on Efficiency of the Market Economy

作　　者：曹海军[1] 王福岭[2] 

机构地区：[1]复旦大学经济学院 [2]济南市人民政府研究室

出　　处：《投资研究》2013年第1期29-42,共14页Review of Investment Studies

基　　金：教育部规划基金项目(12YJA790029);2012年上海市哲学社会科学规划一般课题(2012BJB003);复旦大学重点学科创新人才培养计划的资助

摘　　要：本文重点研究了市场经济效率在信贷政策发挥作用时的影响及其区域差异。我们以市场经济效率和信贷效率为变量构建了理论模型,本文认为是信贷与市场两方面共同促进了经济发展。当市场经济效率较低的情况下,信贷的作用则难发挥积极作用。基于中国区域发展不平衡的现状,我们通过实证研究证明了本文的结论:市场和信贷两者的结合更能有效促进经济增长。实证发现,市场经济的改革能促进经济发展。西部地区市场经济条件较弱的情况下,信贷作用难以有效发挥。东部地区由于市场条件较为完善,信贷能发挥积极作用。中部作用则介于东部和西部地区。本文呼吁各省市需进一步推进市场经济的改革。This paper focuses on the role of efficiency of the market economy in the credit policy and its regional differences. We use a model with the efficiency of our economic transactions and the credit. We deem that two aspects of credit and marketing together promote economic development. When the efficiency of the market economy is low, the credit would be difficult to play the active role. Based on the status of uneven regional development in China, we have demonstrated the conclusion： it is the combination of market and credit to promote economic growth. It is showed that the market economy can promote economic development. The efficiency of the market economy in the western region is low, so the credit policy cannot play the role. The efficiency of the market economy in the eastern region is high and the credit can play an active role. The credit policy in middle region is just between the eastern and western region. We call on the provinces need to promote the reform of the market economy.

关 键 词：市场经济效率 信贷 经济改革 

分 类 号：F832.4[经济管理—金融学]