摘要
信贷资金配置方式和配置效率会对技术进步、产业结构以至经济增长产生重要影响。本文基于Wurgler(2000)的模型,对浙江制造业贷款的安全性、盈利性和前瞻性进行实证评估,发现银行是一种较为注重安全的融资体系。在此基础上,本文首次尝试使用Malmquist指数法对信贷资金的配置效率进行实证研究,发现配置效率偏低是导致信贷资金效率不高的主要原因。最后给出了相应的政策建议。
The allocation of loan will affect the technology progress, industry structure and economy development deeply. Based on Wurgler＇s model（2000） ,This Paper conducts an empirical study on the orientation of the manufacture loan allocation of Zhejiang province. It turns out that Banking system cares more about security. After that, We tries to conduct an empirical study on the allocation efficiency of manufacture loan of Zhejiang province by Malmquist Index. It turns out that the allocation efficiency is rather low. At last, we give policy suggest accrodingly.
出处
《经济管理》
CSSCI
北大核心
2009年第12期114-121,共8页
Business and Management Journal ( BMJ )
基金
中国人民银行2008年度重点研究课题“产业升级、结构调整与金融资源配置”(08N65)阶段性研究成果
