票据贴现融资与当期信贷比重分离对经济发展影响研究  

Study on the impact of bill discount financing and current credit proportion separation on economic development

作　　者：游庆奎 

机构地区：[1]上海社会科学院,上海200020

出　　处：《上海管理科学》2016年第3期20-24,共5页Shanghai Management Science

摘　　要：票据融资与实体经济发展存在紧密联系,但当票据贴现过程中融资额与其在贷款额中所占比重不匹配时,既不能真实反映经济信贷需求,又会对当期经济发展产生这样或那样的影响。研究针对其中的产生原因和政策环境影响,采用1999—2014年的数据进行回归模型分析,证实了票据融资额与GDP的正相关关系和分离现象,并据此提出有关建议。Bill financing and the development of the real economy is closely linked. But when amount of financing in the process of discounted bills and its proportion in the loan does not match, which can＇t reflect economic demand for credit, bill financing in one way or another exerts influence on the current economic development. This research on the causes and policy environment, using data from 1999 to 2014 to make a regression model analysis, confirmed positive correlation and separation phenomenon between the amount of bill financing positive correlation and GDP, and puts forward some suggestions accordingly.

关 键 词：票据 融资 贷款 

分 类 号：F83[经济管理—金融学]