CAJ | 학술논문

本文考察了银行信贷调配与区域经济及产业发展之间的关系。文章以2002—2011年间中国大陆31个地区及农业、工业、服务业三大产业为样本，以存贷比作为银行信贷调配指标进行面板数据回归。结果显示：（1）在2007年至2011年，银行信贷调配与区域经济增长呈现显著正向相关，而在2002年至2006年上述关系并不显著。（2）在2007年至2011年，银行信贷调配与区域第二产业经济增长正向相关，而在2002年至2006年上述关系并不显著。（3）在2002年至2006年和2007年至2011年，银行信贷调配与区域经济第一、第三产业经济增长的关系并不显著。本文提出政策建议如下：（1）应当进一步推进金融改革，提高金融支持农业和服务业发展的效率和能力。（2）应当合理调配信贷资源，以缓解区域经济发展不平衡。（3）商业银行应当坚持金融服务实体经济的原则，通过优化信贷调配促进实体经济健康发展。
본문고찰료은행신대조배여구역경제급산업발전지간적관계。문장이2002—2011년간중국대륙31개지구급농업、공업、복무업삼대산업위양본，이존대비작위은행신대조배지표진행면판수거회귀。결과현시：（1）재2007년지2011년，은행신대조배여구역경제증장정현현저정향상관，이재2002년지2006년상술관계병불현저。（2）재2007년지2011년，은행신대조배여구역제이산업경제증장정향상관，이재2002년지2006년상술관계병불현저。（3）재2002년지2006년화2007년지2011년，은행신대조배여구역경제제일、제삼산업경제증장적관계병불현저。본문제출정책건의여하：（1）응당진일보추진금융개혁，제고금융지지농업화복무업발전적효솔화능력。（2）응당합리조배신대자원，이완해구역경제발전불평형。（3）상업은행응당견지금융복무실체경제적원칙，통과우화신대조배촉진실체경제건강발전。
This paper studied the relationship between bank credit allocation and regional economic growth. Using LDR as proxy for credit allocation, we conducted regressions on the panel data of 31 regions and 3 industries in 2002 - 2011. We found that in 2007 -2011, credit allocation has positive relationship with regional economic growth and 2rd industry growth, while in 2002 - 2006 the relationship was not significantly positive. Moreover there was no significant relationship between credit allocation and regional 1 st industry growth or 3rd industry growth, in 2002 - 2006 and in 2007 - 2011. The implications for policies are as follows ： First, more financial reforms are necessary for enhancing the efficiency and ability for finance serving agricultural and service industries. Secondly, by allocating credit resources properly, regional economic imbalances could be reduced. Thirdly, commercial banks should stick to the principles of finance serving real economy, and promote economic growth through allocating credit resources properly.