摘要
由于具有信贷"支持"地方经济发展力度方面的含义,我国地区金融机构存贷比例深受地方系统的关注。本文运用省级面板数据计量模型检验了我国省区金融机构存贷比例的主要影响因素,发现我国省区金融机构存贷比例主要内生性地取决于经济增长、金融生态环境和国际收支顺差等省区金融与经济环境因素。政策含义是:地方政府既无力也不应干预地区金融机构存贷比例,提高地区存贷比例的最好政策选择是重视并推动本地区金融生态环境的改善。
The deposit-loan ratio of Chinese regional financial institutions is paid more attention to by local systems because it has the implication that credit supports the degree of regional economic development.This paper tests the main factors that affect the deposit-loan ratio of Chinese provincial-level financial institutions by using the quantitative model of provincial-level panel data and finds that the deposit-loan ratio of Chinese provincial-level financial institutions mainly relies on the endogenous provincial-level financial and economic environment factors such as economic growth,financial ecological environment and surplus of balance of payments.The policy implication is: the local government has no power or should not intervene in the deposit-loan ratio.The best policy selection to raise the deposit-loan ratio of a region is emphasizing and promoting the improvement of the financial and ecological environment of the region.
出处
《当代经济科学》
CSSCI
北大核心
2013年第2期21-27,124,共7页
Modern Economic Science
基金
浙江高校人文社科重点研究基地--浙江工商大学"金融研究基地"1060JF90111210项目资助
关键词
地区存贷比例
影响因素
金融与经济环境
面板数据
Regional Deposit-Loan Ratio
Affecting Factors
Financial and Economic Environment
Panel Data
