银行信贷投放与实体经济发展关系的实证研究——基于全国和山西省2004年—2015年数据的对比分析  

The Empirical Research on the Effect of Bank Credit Delivery and the Real Economy Development——Based on the Data for 2004-2015 of National and Shanxi Province

作　　者：耿丽萍[1] 梁晓峰[2] Geng Liping;Liang Xiaofeng(Taiyuan TV University,Taiyuan,Shanxi,030024;Institute of Finance and Economics,Shanxi TV University,Taiyuan,Shanxi,030027)

机构地区：[1]太原广播电视大学,山西太原030024 [2]山西广播电视大学财经学院,山西太原030027

出　　处：《山西广播电视大学学报》2018年第1期67-71,共5页Journal of Shanxi Radio & TV University

摘　　要：对金融服务实体经济进行定量研究,关键在于对银行信贷投放与实体经济发展的关系研究,文章选取全国和山西省的数据,运用OLS方法,分析每单位银行信贷投放对实体经济发展的撬动比例。结果显示,由于受山西省产业结构的影响,仅仅依赖银行体系加大信贷资金投放来促进实体经济发展效果较差,要真正实现实体经济的发展还需探索其他有效途径。The key research on the financial services of the real economy is the study on the relationship between the bank credit and the real economy.The author chooses the data of the country and Shanxi province,and analyzes the leverage ratio of each unit of the bank credit to the real economy using the OLS method.The results show that,due to the impact of industrial structure in Shanxi Province,we should promote the real economy development not only relying on the bank delivery,but also exploring other effective ways.

关 键 词：银行 信贷投放 实体经济 

分 类 号：G728[文化科学—成人教育学]