金融征信数据在区域信贷风险监测中的应用研究  

Research on the Financial Credit Data Application in Regional Credit Risk Monitoring

作　　者：中国人民银行广州分行课题组 甄润赞[1] 梁伟[1] 区少容 符剑维 刘剑[1] 梁伟 

机构地区：[1]中国人民银行广州分行课题组

出　　处：《南方金融》2014年第4期31-36,19,共7页South China Finance

摘　　要：本文应用金融征信汇总数据,从信贷征信数据与经济增长的总体协调关系、地区协调关系、行业协调关系以及异地流动协调关系等几个维度,搭建金融征信数据应用于区域信贷风险监测的分析框架与模型。实证结果表明,广东省的GDP增长与金融机构信贷业务的发展存在自我修正的均衡发展路径,信贷资金异地流动与经济增长存在长期稳定关系,但经济增长更多依靠大户信贷的拉动,金融机构信贷质量仍需密切关注。This paper builds the analysis framework and model which applies financial reporting data to regional credit risk monitoring from the credit integration data and the overall coordination of economic growth, regional coordination, industry coordination, cross-region flow coordination and relevant dimensions. The empirical results show that the GDP growth of Guangdong province and the development of credit business have balanced self-correcting development path. There is a long- term stable relationship between cross-region credit fund flow and economic growth. However, economic growth is driven by large credit and credit quality in financial institutions still needs to be paid close attention to.

关 键 词：金融征信 征信管理 风险监测 区域信贷 

分 类 号：F830.49[经济管理—金融学] F830.5