论文部分内容阅读
改革以来,中国金融机构贷款的区域分布发生了较大变化,这一变化的原因及其对区域经济增长的影响是一个值得研究的课题。受区域发展战略变化、金融体制改革与银行信贷自土权的扩大、区域金融生态环境的差异、对外开放政策等多种因素的影响,中国金融机构人民币贷款的区域分布不平衡,并且有向东部集中的趋势,这一趋势在1998年取消信贷规模管理后尤为明显。在一定程度上,贷款的区域集中是银行商业化的必然结果。贷款的区域集中促进了经济的整体发展,但也可能加大区域经济发展的差距。要减小信贷区域集中的负面影响,需要综合发挥信贷政策、政策性信贷与财政政策的作用,适当加大对中西部和东北地区的信贷支持力度。
Since the reform, there has been a great change in the regional distribution of China’s financial institutions’ loans. The reason for this change and its impact on regional economic growth are worthy of study. Under the influence of many factors such as the change of regional development strategy, the reform of financial system and the extension of bank credit right from the right of land, the difference of regional financial eco-environment and the policy of opening to the outside world, the regional distribution of RMB loans of Chinese financial institutions is unbalanced, The trend of concentration is especially evident after the cancellation of credit scale management in 1998. To a certain extent, the regional concentration of loans is the inevitable result of the commercialization of banks. The concentration of lending regions has promoted the overall economic development, but may also widen the gap between regional economic development. To reduce the negative impact of concentration in credit regions, we need to give full play to the role of credit policies, policy credits and fiscal policies, and appropriately increase credit support to the central and western regions and the northeast region.