基于供给侧改革的银行信贷资金效率研究  

Research on the Efficiency of Bank Financing Reform Based on Supply Side

作　　者：何翔鹏 HE Xiangpeng(Yongjing Rural Credit Cooperative Association,Linxia,Gansu Province,731600 China)

机构地区：[1]永靖县农村信用合作联社,甘肃临夏731600

出　　处：《科技资讯》2021年第12期113-115,共3页Science & Technology Information

摘　　要：供给侧改革带来的影响较为深远,这种影响在银行信贷资金效率方面存在直观体现。现阶段,我国存在的金融资源过于集中,同样属于其中代表问题。基于此,该文将简单分析供给改革下银行信贷资金的效率问题,并围绕银行信贷资金的效率问题开展实证探讨,研究发现银行的规模与其信贷资金效率成反比,由此该文提出了三方面建议,即强化金融行业竞争、设法推进中小企业担保机制健全、设法减少非市场干预。The influence of supply side reform is far-reaching,which is directly reflected in the efficiency of bank credit funds.The problem of over concentration of financial resources in China at this stage is also one of the representatives.Based on this,this paper will simply analyze the efficiency of bank credit funds under the supply side reform,and carry out an empirical study on the efficiency of bank credit funds.The study finds that the scale of banks is inversely proportional to the efficiency of credit funds.Therefore,this paper puts forward three suggestions,namely strengthening the competition in the financial industry,improving the guarantee mechanism of small and medium-sized enterprises,and reducing non market interference in advance.

关 键 词：供给侧改革 银行 信贷资金效率 担保机制 

分 类 号：F832[经济管理—金融学]