摘要
本文立足国有商业银行信贷萎缩问题 ,以湖南省西部城市怀化市作典型分析 ,探讨国有商业银行实行集约化经营以来在经济欠发达地区出现信贷萎缩的原因 ,并寻求对策。主要结论有 :一、国有商业银行的信贷萎缩与地方经济发展的矛盾实质是市场机制作用失灵和功能缺陷的表现 ,是商业化改革和诸多外部因素共同作用的结果。二、现阶段必须由政府进行综合调控 ,改善外部环境。
This psper explains the credit credit crunch with the hypothesis of the twin-failure of market participants and instituional environment.The participant failure leads to over-prudential lending activities of state-owned commercial banks(SOCBs);while the environment failure results in myopic optimal behavior which causes the SOCBs reluctant to offer long-term loans.Given such twin-failure,the reasonable remedy is to introduce government intervention to perfect the market mechanism.
出处
《金融研究》
CSSCI
北大核心
2001年第9期128-134,共7页
Journal of Financial Research
关键词
国有商业银行
市场主体
制度环境
政府调控
信贷资金配置
SOCBs,credit crunch,market participant failure,institutional weakness,government intervention