摘要
消费信贷作为信用资源分配的一种形式,是鼓励提前消费,增加有效需求,促进经济发展和经济结构转型的重要手段。利用31个省份2003~2017年的面板数据,分别建立全国以及东部、中部和西部样本,通过固定效应模型,分别对消费信贷对经济增长的影响进行研究。实证结果表明,不论是从全国还是区域来看,消费信贷对经济增长的影响效果显著,且均为正向促进作用,但影响程度存在区域差异性。从影响系数来看,消费信贷对中部经济增长影响最大,东部次之,西部最小。为促进经济增长,我国应鼓励消费信贷的发展,根据不同地区的经济发展程度,为其发展创造有利的市场环境。
As a form of allocating credit resource,consumer credit is an important means to encourage consump.tion in advance,increase effective demand,and promote economic development and economic transformation.This paper uses the panel data of 31 provinces from 2003-2017 to construct national,eastern,central,and western sam.ples,and uses the fixed effect model to study the impact of consumer credit on economic growth.The empirical re.sults show that the impact of consumer credit on economic growth is significant both in the country and different re.gions,and both are positively promoting,but there are regional differences in the degree of impact.Among the im.pact factors,consumer credit has the greatest impact on central economic growth,followed by the east and the west.Therefore,in order to promote economic growth,China should encourage the development of consumer credit,and create a favorable market environment for its development according to the degree of economic development in dif.ferent regions.
作者
高志仁
赵锦
GAO Zhi-ren;ZHAO Jin
出处
《经济论坛》
2019年第7期65-71,共7页
Economic Forum
基金
2018年度湖南省社会科学基金项目“新时期收入分配制度改革的人民利益问题研究”(18WTA15)
关键词
消费信贷
经济增长
消费需求
固定效应模型
Consumer credit
Economic growth
Consumer demand
Fixed effect model