摘要
中国经济已经步入发展新常态,实体经济处于化解过剩产能和新增长点培育的转型攻坚阶段,"银行惜贷"和"企业慎贷"现象双重叠加,信贷资源未能有效投放进入实体经济领域。本文以无锡市为例,构建了金融规模、金融风险等指标,运用多元线性回归模型实证分析以银行业为代表的金融机构对实体经济发展的影响。研究结果表明,金融机构发展规模的扩大对经济发展具有显著的促进作用,进出口总额对经济发展的作用较为突出,然而金融风险对经济发展没有表现出显著的影响。本文从银行业和政府两个角度提出相关政策建议。
China's economy has entered a new normal state.The real economy is now in the transition stage of resolving excess capacity and nurturing the new growth point.The banking or the enterprises are reluctant to loan or lend.In this paper,we have taken the economy of Wuxi area as the research object and build the financial scale,financial risk and other indicators.Through the use of multiple linear regression model,we have analyzed the interaction between the banking and the real economy.The research result shows that the expansion of the scale of financial institutions plays a significant role in promoting economic development.Meanwhile,the impact of total import and export on economic development is also obvious.However,financial risk exerts no significant impact on economic development.In this paper,we will offer proposals from the level of the government and the banking.
出处
《江南大学学报（人文社会科学版）》
2016年第6期107-112,共6页
Journal of Jiangnan University：Humanities & Social Sciences Edition
