本文選題：信貸資金配置　切入點(diǎn)：區(qū)域失衡　出處：《湖南大學(xué)》2010年碩士論文　論文類型：學(xué)位論文

【摘要】：信貸融資是我國(guó)當(dāng)前最重要的外部融資渠道,對(duì)區(qū)域經(jīng)濟(jì)發(fā)展有著重要的推動(dòng)作用,信貸資金區(qū)域間合理配置是區(qū)域經(jīng)濟(jì)協(xié)調(diào)發(fā)展的必要條件,信貸資金在我國(guó)區(qū)域間配置失衡加大了我國(guó)區(qū)域間經(jīng)濟(jì)的發(fā)展差距�；诖�,本文對(duì)我國(guó)信貸資金區(qū)域配置失衡現(xiàn)象進(jìn)行全面深入研究。 本文主要研究了我國(guó)信貸資金區(qū)域配置失衡現(xiàn)狀,運(yùn)用Var脈沖響應(yīng)函數(shù)分析信貸資金區(qū)域配置失衡對(duì)區(qū)域經(jīng)濟(jì)產(chǎn)生的影響,對(duì)信貸資金區(qū)域失衡的形成過(guò)程與發(fā)展方向進(jìn)行收斂性檢驗(yàn),建立面板數(shù)據(jù)模型分析區(qū)域間信貸資金規(guī)模失衡的驅(qū)動(dòng)因素,文章最后結(jié)合分析結(jié)果與我國(guó)現(xiàn)實(shí)國(guó)情對(duì)推動(dòng)信貸資金區(qū)域間合理配置提出對(duì)策建議。 研究結(jié)果表明:我國(guó)信貸資源存在由欠發(fā)達(dá)區(qū)域向發(fā)達(dá)區(qū)域聚集,導(dǎo)致區(qū)域間信貸資金配置嚴(yán)重失衡,加劇了區(qū)域經(jīng)濟(jì)發(fā)展的不平衡,發(fā)達(dá)省份信貸資源對(duì)經(jīng)濟(jì)發(fā)展的貢獻(xiàn)度明顯強(qiáng)于欠發(fā)達(dá)省份;我國(guó)區(qū)域間信貸資金配置失衡整體不存在收斂的跡象,在市場(chǎng)的自發(fā)作用下,區(qū)域間信貸資源失衡現(xiàn)象會(huì)愈發(fā)嚴(yán)重,這種差距主要體現(xiàn)在東部省份與中西部省份之間;我國(guó)不同地區(qū)省份的信貸資金配置規(guī)模受不同變量的驅(qū)動(dòng),東部地區(qū)主要受人力資源與產(chǎn)業(yè)結(jié)構(gòu)的驅(qū)動(dòng),中部地區(qū)受消費(fèi)效率的影響比較顯著,西部地區(qū)信貸資金主要流向基礎(chǔ)設(shè)施建設(shè)。 本文提出推動(dòng)信貸資金區(qū)域合理配置的對(duì)策建議,主要包括對(duì)不同地區(qū)制定不同的宏觀金融發(fā)展戰(zhàn)略,以大區(qū)為單位實(shí)行差異的金融政策,充分發(fā)揮地方性金融機(jī)構(gòu)在區(qū)域經(jīng)濟(jì)發(fā)展中的作用。
[Abstract]:Credit financing is the most important external financing channel in our country at present, which plays an important role in promoting the development of regional economy. The rational allocation of credit funds between regions is a necessary condition for the coordinated development of regional economy. The imbalance in the allocation of credit funds among regions in China has increased the gap in the development of regional economy in China. Based on this, this paper makes a comprehensive and in-depth study on the imbalance of regional allocation of credit funds in China. This paper mainly studies the current situation of the imbalance of the regional allocation of credit funds in China, and analyzes the impact of the imbalance of the regional allocation of credit funds on the regional economy by using the Var impulse response function. The paper tests the formation process and development direction of the regional imbalance of credit funds, and establishes panel data model to analyze the driving factors of the imbalance of the scale of credit funds between regions. Finally, combined with the analysis results and the actual situation of our country, the paper puts forward some countermeasures and suggestions to promote the rational allocation of credit funds in different regions. The results show that the accumulation of credit resources from underdeveloped regions to developed regions leads to a serious imbalance in the allocation of inter-regional credit funds and exacerbates the imbalance of regional economic development. The contribution of credit resources to economic development in developed provinces is obviously stronger than that in less developed provinces, and there is no sign of convergence of the imbalance in the allocation of credit funds among regions in China. The imbalance of inter-regional credit resources will become more and more serious, which is mainly reflected between the eastern provinces and the central and western provinces. The scale of the allocation of credit funds in different regions of China is driven by different variables. The eastern region is mainly driven by human resources and industrial structure, and the central region is influenced by the consumption efficiency. The credit funds in the western region mainly flow to infrastructure construction. This paper puts forward the countermeasures and suggestions to promote the rational allocation of credit funds in the region, mainly including formulating different macro financial development strategies for different regions and implementing different financial policies based on large regions. Give full play to the role of local financial institutions in regional economic development.
【學(xué)位授予單位】：湖南大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2010
【分類號(hào)】：F832.4

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