财经科学
財經科學
재경과학
Finance and Economics
2014年
9期
41~48
,共null页
人口老龄化 货币政策 信贷传导机制
人口老齡化 貨幣政策 信貸傳導機製
인구노령화 화폐정책 신대전도궤제
Aging Population; Monetary Policy; Credit Conduction Mechanism
随着我国人口老龄化程度的加深，老龄化对货币政策实施效果必然带来影响。成为倒逼金融业实施金融创新的重要因素。本文在厘清我国货币政策信贷传导机制的发展脉络的基础上，分析了人口老龄化对我国货币政策信贷传导渠道的影响机制，并采用2002—2012年相关数据作为变量指标，实证分析了人口老龄化对我国货币政策的信贷传导影响。研究表明，我国人口老龄化对货币政策信贷传导机制有效，我国货币政策信贷传导机制是货币政策传导的重要渠道。据此本文提出了相关政策建议。
隨著我國人口老齡化程度的加深，老齡化對貨幣政策實施效果必然帶來影響。成為倒逼金融業實施金融創新的重要因素。本文在釐清我國貨幣政策信貸傳導機製的髮展脈絡的基礎上，分析瞭人口老齡化對我國貨幣政策信貸傳導渠道的影響機製，併採用2002—2012年相關數據作為變量指標，實證分析瞭人口老齡化對我國貨幣政策的信貸傳導影響。研究錶明，我國人口老齡化對貨幣政策信貸傳導機製有效，我國貨幣政策信貸傳導機製是貨幣政策傳導的重要渠道。據此本文提齣瞭相關政策建議。
수착아국인구노령화정도적가심，노령화대화폐정책실시효과필연대래영향。성위도핍금융업실시금융창신적중요인소。본문재전청아국화폐정책신대전도궤제적발전맥락적기출상，분석료인구노령화대아국화폐정책신대전도거도적영향궤제，병채용2002—2012년상관수거작위변량지표，실증분석료인구노령화대아국화폐정책적신대전도영향。연구표명，아국인구노령화대화폐정책신대전도궤제유효，아국화폐정책신대전도궤제시화폐정책전도적중요거도。거차본문제출료상관정책건의。
As China＇s aging population degree is deepened, the aging will inevitably influence the effects of Monetary Policy and become an important factor in compelling financial industry to implement financial innovation in turn. Based on clarifying the development vein of China＇s Monetary Policy Credit Conduction Mechanism, the author analyzes the influence mechanism of aging population on Credit Transmit Channel of Monetary Policy in China. Besides, the author takes the data from 2002 to 2012 as variable index, and makes an empiri- cal analysis on the influence of the aging on the Credit Conduct of Monetary Policy in China. Research shows that China＇s pop~ation aging is effective to the Monetary Policy Credit Conduction Mechanism and the Monetary Policy Credit Conduction Mechanism in China is an important channel for the Monetary Pohcy Conduction Mechanism. Some relevant policy suggestions are put forward accordingly.
