经济经纬
經濟經緯
경제경위
Economic Survey
2014年
4期
144~149
,共null页
信用环境 经济绩效 影响因素
信用環境 經濟績效 影響因素
신용배경 경제적효 영향인소
Credit Environment ; Economic Performance ; Influencing Factors
笔者以我国的省级及地级市数据为研究样本,以城市商业信用环境指数(CEI)为依据,揭示信用环境对一个地区经济绩效的影响。研究发现信用环境可以促进一个地区的经济发展,也会拉大城乡收入差距;一个地区的教育水平、城镇化水平、人口密度、交通设施对信用环境的影响比较显著,其中城镇化水平对信用环境的影响又和市场化水平密切相关,而地域文化和通信水平的影响并不显著。
筆者以我國的省級及地級市數據為研究樣本,以城市商業信用環境指數(CEI)為依據,揭示信用環境對一箇地區經濟績效的影響。研究髮現信用環境可以促進一箇地區的經濟髮展,也會拉大城鄉收入差距;一箇地區的教育水平、城鎮化水平、人口密度、交通設施對信用環境的影響比較顯著,其中城鎮化水平對信用環境的影響又和市場化水平密切相關,而地域文化和通信水平的影響併不顯著。
필자이아국적성급급지급시수거위연구양본,이성시상업신용배경지수(CEI)위의거,게시신용배경대일개지구경제적효적영향。연구발현신용배경가이촉진일개지구적경제발전,야회랍대성향수입차거;일개지구적교육수평、성진화수평、인구밀도、교통설시대신용배경적영향비교현저,기중성진화수평대신용배경적영향우화시장화수평밀절상관,이지역문화화통신수평적영향병불현저。
The "credit economy era" means credit environment has become the major capital of a country after physical capital and hu- man capital for economic growth and social progress. This paper selects Chinese provincial and prefecture-level city data as the study sample and chooses CEI as the basis to reveal economic performance of credit environment, such as per capita GDP and its growth, the level of enterprise and financial development, and urban-rural income gap, further analyzes the factors affecting the credit environment. We find that the credit environment can contribute to the economic development of a region, but also pull large urban-rural income gap; the impact of education level, the level of urbanization, population density, and transportation facilities on credit environment are relatively significant. Among these, the impact of the level of urbanization on credit environment is closely related to the level of market. But the impact of regional culture and communication level is not significant.