信贷服务“实体经济”探析—基于福建省福清市的调查  

Study on Credit Management Service Supporting Entity Economy——Based on the Survey in Fuqing City,Fujian Province

作　　者：张兰花[1] 林雯雯[2] 

机构地区：[1]福建师范大学福清分校金融投资研究中心,福建福清350300 [2]宁波诺丁汉大学研究生部,浙江宁波315000

出　　处：《福建师大福清分校学报》2016年第1期38-45,共8页Journal of Fuqing Branch of Fujian Normal University

基　　金：福建省教育厅项目(JBB291S)

摘　　要：通过对人民银行福清支行的数据,16家金融机构、24家企业的相关负责人的访谈信息,以及209份企业问卷调查数据分析,研究认为信贷服务实体经济水平在贷款余额提高、信贷结构改善、信贷服务创新、担保方式创新、信贷产品创新、政府扶持等方面有显著提升;但是,存在产业凝聚信贷能力有限、信贷与实体经济融合度偏低、实体经济过度依赖于银行贷款融资、信贷资源在行业间分布失衡、信息共享机制不健全、融资性担保公司助力有限等方面的问题。研究进而提出完善第三方担保制度、构建小微企业信用信息服务系统等措施增强信贷服务实体经济能力。The study is conducted on the data collected from People ＇ s Bank of China（ PBOC） Fuqing Branch,interviews on the heads of 24 enterprises and 16 financial institutions and 209 questionnairesfrom local corporations which proves that the service level was significantly improved in credit management service including the incensement of loan balances,the improvement of credit service structure,the innovation of credit service,guarantee and credit service products and the support from governments etc.,while some problems are still existing including the limitation of ability for industrial agglomeration credit fund,the low degree of integration of credit and entity economy,the overreliance on bank loan,the unbalanced fund allocation in different industries,the unsound info- sharing system and the limited financial support from financing guarantee companies,etc. Based on those problems mentioned above,such suggestions as improving the third- party guarantee institution and constructing the credit database especially for small and micro business are proposed in the thesis.

关 键 词：信贷 信贷配给 实体经济 担保 

分 类 号：F830.5[经济管理—金融学]