基于征信数据观中国近10年产业间信贷资源的调整路径  

China's inter-industry credit resources adjustment of the past decade based on credit data

作　　者：姚前[1] 谢华美[1] 刘松灵[1] 李香菊[2] 刘新海[1] 景志刚[1] 

机构地区：[1]中国人民银行征信中心,北京100031 [2]江西农业工程职业学院,江西樟树331200

出　　处：《大数据》2017年第1期35-43,共9页Big Data Research

摘　　要：利用中国人民银行企业征信系统的数据,基于信贷视角回顾了近10年我国产业结构调整路径,并分析了产业结构调整和信贷供给之间的关联性;然后用信贷发生额建立产业变动指数,对各经济区域产业间信贷资源的调整情况进行了实证分析。研究发现,信贷结构调整与产业结构调整之间存在同步性,但在调整的过程中,部分产业和部分区域缺乏足够的信贷支持力度。研究还表明利用征信数据可以为实现我国产业结构调整和信贷资源分配提供决策支持。The huge multisource data of enterprise credit system was applied to study strategies of industrial restructuring from the credit perspective of the past decade, and the interactive relationship between industrial restructuring and credit supply was studied. Furthermore, empirical analysis was took to study inter-industry credit resource of every economic area by establishing credit industrial change index. The studies show that the synchronization is existed between credited structure adjustment and industrial structure adjustment, however some industries and regions are obtained less credit support during the adjustment process. The research shows that credit data could provide decision support for the implementation of industrial restructuring and credit resources allocation.

关 键 词：产业结构调整 企业征信系统 信贷供给 

分 类 号：TP311.132[自动化与计算机技术—计算机软件与理论]