银行信贷影响实体经济增长的区域性差异研究
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引用本文:谢朝华,邓亚波,刘玲杉,裴文婷.银行信贷影响实体经济增长的区域性差异研究[J].财经理论与实践,2020,(3):31-38
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作者单位
谢朝华,邓亚波,刘玲杉,裴文婷 (长沙理工大学 经济与管理学院湖南 长沙 410114) 
中文摘要:选取2009-2018年我国30个省市自治区的面板数据,运用面板工具变量法(Panel-IV),从规模和结构维度分析我国银行信贷与实体经济增长关系的区域性差异。结果表明:信贷规模对三大区域实体经济增长的影响存在较大的差异,东、中部地区信贷规模与实体经济增长呈U型关系,西部地区呈倒U型关系;信贷的期限结构、主体结构、币种结构和产业结构对三大区域实体经济增长的影响也存在较大差异。大力发展实体经济和银行业,以银行业发展促进实体经济发展,在未来的几年实施差异化和结构化的信贷政策,可以改善信贷资源服务实体经济增长的效果。
中文关键词:信贷规模  信贷结构  实体经济  区域化差异  信贷发展
 
A Study on the Regional Differences of Bank Credit Affecting Real Economic Growth
Abstract:The panel data of 30 provinces, municipalities and autonomous regions in China from 2009 to 2018 were selected, and the panel instrument variable method (Panel-IV) was used to analyze the regional differences in the relationship between China's bank credit and real economic growth from the scale and structure dimensions. The impact of credit scale on the real economic growth of the three regions is quite different. The credit scale of the eastern and central regions has a U-shaped relationship with the growth of the real economy, while the western region has an inverted U-shaped relationship. There are also great differences in the impact of structure and industrial structure on the growth of the real economy in the three regions. Vigorously develop the real economy and the banking industry, promote the real economy with the development of the banking industry, and implement differentiated and structured credit policies in the next few years to improve the effectiveness of credit resources in serving the real economy.
keywords:credit scale  credit structure  real economy  regional differences  credit development
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