信用环境的经济绩效及其影响因素——基于CEI指数及中国省级、地级市的数据  

Economic Performance and Influencing Factors of the Credit Environment——Empirical Study Based on CEI and Chinese Provincial and Prefecture-level City Data

作　　者：谭燕芝[1] 王超[1] 李国锋[1] 

机构地区：[1]湘潭大学商学院,湖南湘潭411105

出　　处：《经济经纬》2014年第4期144-149,共6页Economic Survey

基　　金：国家自然科学基金项目(71273220);教育部项目(12YJA790121);湖南省哲学社会科学基金项目(12ZDB03);湖南省高校创新开放基金项目(11K064)

摘　　要：笔者以我国的省级及地级市数据为研究样本,以城市商业信用环境指数(CEI)为依据,揭示信用环境对一个地区经济绩效的影响。研究发现信用环境可以促进一个地区的经济发展,也会拉大城乡收入差距;一个地区的教育水平、城镇化水平、人口密度、交通设施对信用环境的影响比较显著,其中城镇化水平对信用环境的影响又和市场化水平密切相关,而地域文化和通信水平的影响并不显著。The ＂credit economy era＂ means credit environment has become the major capital of a country after physical capital and hu- man capital for economic growth and social progress. This paper selects Chinese provincial and prefecture-level city data as the study sample and chooses CEI as the basis to reveal economic performance of credit environment, such as per capita GDP and its growth, the level of enterprise and financial development, and urban-rural income gap, further analyzes the factors affecting the credit environment. We find that the credit environment can contribute to the economic development of a region, but also pull large urban-rural income gap; the impact of education level, the level of urbanization, population density, and transportation facilities on credit environment are relatively significant. Among these, the impact of the level of urbanization on credit environment is closely related to the level of market. But the impact of regional culture and communication level is not significant.

关 键 词：信用环境 经济绩效 影响因素 

分 类 号：F069[经济管理—政治经济学]