我国信贷资金区域配置失衡研究

A Research on the Unbalance of Regional Credit Funds in China

信贷资金区域间合理配置是区域经济协调发展的必要条件。基于此,本文对我国信贷资金区域配置失衡现象进行全面深入研究。本文主要研究了我国信贷资金区域配置失衡现状,对信贷资金区域失衡的形成过程与发展方向进行收敛性检验,建立面板数据模型分析区域间信贷资金规模失衡的驱动因素,并结合结果与我国的现实国情对推动信贷资金区域间合理配置提出对策建议。

Credit loan, the most important financing channel in China, plays an principal role in the regional economic development. Based on this fact, this paper makes an in-depth study on the unbalance of regional credit funds in China. This paper is primarily focused on the research about the unbalance of regional credit funds in China, giving the convergence analysis about the unbalance of regional credit funds by σ-convergenee and β- convergence, finding the actuation factors of the scale regional credit funds by panels linear regression model. Based on this, this paper also gives some countermeasures and advices in the end.