利率市场化、信贷歧视与中国经济发展——基于动态一般均衡模型的分析  

Interest Rate Liberalization,Credit Discrimination and Economic Development in China:A Dynamic CGE Analysis

作　　者：祝树金[1] 赵玉龙[2] 肖皓[1] ZHU Shujin;ZHAO Yulong;XIAO Hao(School of Economics and Trade,Hunan University,Changsha,Hunan 410079..China;Zhengzhou Central Sub-branch QBC,Zhengzhou^H enan 450018,China)

机构地区：[1]湖南大学经济与贸易学院,湖南长沙410079 [2]中国人民银行郑州中心支行,河南郑州450018

出　　处：《财经理论与实践》2018年第2期2-8,共7页The Theory and Practice of Finance and Economics

基　　金：国家自然科学基金(71573076);国家自然科学基金(71673081);湖南省哲学社会科学基金(17YBA086)

摘　　要：通过引入"信贷系数"刻画了行业间可能存在的信贷歧视现象,拓展了中国动态一般均衡模型(Chinagem),模拟了中国利率市场化改革下整体利率水平提高、行业间利率歧视消除以及金融服务增效三条路径的动态经济效应。相对于基期而言,实际利率水平上升、行业间利率歧视消除将引起投资和实际GDP下降,但有利于优化行业资源配置,改善贸易条件;金融部门服务增效促进了投资和经济增长。此外,利率市场化有助于促进我国产业结构优化升级,推动国有企业改革。This paper introduces interest rate discrimination from the industry level depicted credit coefficient’1.We expand the dynamic CGE model(Chinagem)to reflect the bank discrimination among industries and simulate the effect of the rising of basic interest rate,eliminating of the bank discrimination among industries and more efficiency of financitl service.The results show that,although the basic interest rate and the elimination of the bank discrimination will be unfavorable for the economic growth in China,they can optimize resource allocation and improve terms of of financitl services will be good for investment and economic growth in China.Furthermore the interest rate liberalization will be helpful for upgrading the industritl structure and state-owned enterprises.

关 键 词：利率市场化)言贷歧视 经济增长 CGE模型 

分 类 号：C68[社会学] E47[军事—军事理论]