区域金融生态环境演化与家庭借贷行为——基于中国30个省级区域的面板数据  

The Evolution of Regional Financial Ecological Environments and Household Crediting Behaviors——Evidence from the Panel Data of 30 Provinces in China

作　　者：伍再华[1] 李谋[1] 冉珍梅 

机构地区：[1]湘潭大学商学院,湖南湘潭411105

出　　处：《当代经济管理》2017年第4期77-84,共8页Contemporary Economic Management

基　　金：国家社会科学基金项目<我国家庭债务增长的经济社会效应与可持续性研究>(14BJL029)

摘　　要：利用中国30个省级区域2006~2013年的相关统计数据,构建动态面板模型,并运用系统GMM估计方法,考察区域金融生态环境演化对家庭借贷行为的影响。结果表明:金融生态环境演化对家庭借贷行为具有显著的正向影响;金融生态环境较好区域(Ⅰ区和Ⅱ区)的金融生态环境演化对家庭借贷规模的影响程度要高于金融生态环境较差区域(Ⅲ区);金融生态环境评价指标体系中各准则层变量对家庭借贷行为的影响各异,且各区域间的差异化程度较明显。因此,政府及有关部门应依据金融生态环境评价的量化结果,实施针对性的调控政策,改善区域金融生态环境质量,进而推动各区域家庭债务规模的适度增长。Using the relative statistic data in thirty provinces from 2006 to 2013, this article analyzed the impact of the evolution of regional financial ecological environments on household crediting behaviors, through dynamic panel model and system GMM method. The conclusion indicates that：（1） the evolution of financial ecological environments is the important factor that affects the household crediting behaviors;（2） in districts with better financial environments（Area Ⅰ and Ⅱ）, the evolution of financial ecological environments has higher level effects on the household crediting behaviors, compared with districts with worse financial environments（Area Ⅲ）;（3） the variables of layer guidelines in the system of financial environment evaluation have significant different influences on the household crediting behaviors in different areas. Therefore, the government and relevant departments should take the quantitative results of financial ecological environment evaluation into consideration, setting and implementing specific policies, improving the regional financial ecological environment quality, and ensuring that the scale of regional household debt could be developed and changed to a relatively stabilized direction.

关 键 词：金融生态环境 家庭借贷行为 系统GMM估计方法 

分 类 号：F832[经济管理—金融学]