我国经济信用化的区域差异及特征分析  

Regional Differences and Characteristics of Economic Credit in China

作　　者：翟丽芳 ZHAI Li-fang(School of Finance,Renmin University of China,Beijing 100872,China)

机构地区：[1]中国人民大学财政金融学院,北京100872

出　　处：《海南大学学报（人文社会科学版）》2021年第1期43-51,共9页Journal of Hainan University （Humanities & Social Sciences）

摘　　要：市场经济是信用经济。使用1995—2018年数据,以全国31个省市区、四大区域作为区域对象,计算信用总规模和经济信用化率(credit rates of economy,CRE),量化研究经济信用化程度。研究发现:其一,1995—2018年我国CRE呈上升趋势,但是CRE数值仍停留在合理区间内的偏下边界。其二,信用发展存在较为明显的区域不协调问题。北京信用发展水平高;湖南、内蒙古和河南这3个地区信用发展有待大力提升。与东部地区相比,中部、西部、东北地区信用发展不协调且相对滞后。其三,CRE指标可以作为预示金融危机来临的一个信号标识。为此,应充分认识到信用发展的重要性,注重因地制宜提升区域信用发展水平,特别要重点培育模范信用城市,并注意CRE的信号标识作用。The market economy is the credit economy.Targeting the data of 31 provinces and municipalities and four regions in China from 1995 to 2018,the total credit scale and credit rates of economy(CRE)are calculated to quantitatively study the degree of economic credit.As shown in the results,firstly,China’s CRE shows an upward trend from 1995 to 2018,but the CRE value still stays at a lower edge of the reasonable range.Secondly,there exists the obvious regional discordance in credit development.Beijing has a high level of credit development;the credit development in Hunan Province,Inner Mongolia Autonomous Region and Henan Province needs to be improved.Compared with the eastern region,the credit development in the central,western and northeast regions is uncoordinated and relatively backward.Thirdly,the CRE index can be used as a signal to forecast the coming of the financial crisis.Therefore,it is a must to realize the importance of credit development,improve the level of regional credit development according to the local conditions,especially cultivate the model credit cities,and mind the signal marking role of CRE.

关 键 词：信用规模 经济增长 信用经济 区域经济 

分 类 号：F820.4[经济管理—财政学]