小额贷款公司与地方经济互动关系研究——基于贵州省的实证分析

Study on Interaction between Small-scale Loans Companies and Local Economic——Based on the Empirical Analysis of Guizhou Province

小额贷款公司作为我国金融制度的创新,其发展路径与政策定位引起了广泛的争议。小额贷款公司是否真正服务于农户以及微小型企业,促进地方经济的发展,这一问题十分关键。对小额贷款公司的设立与贵州省农民纯收入的关系进行了实证分析,模型结果显示小额贷款公司虽然对农民收入的增长产生了促进作用,即对经济起到了促进作用,但是效果并不显著。去除经济时滞以及模型完善程度的制约,实证结果显示小额贷款公司发展仍不完善。基于此,提出了提升小额贷款公司与贵州乃至全国经济互动效率的政策建议。

Small loan companies as the innovation of Chinese financial system, its development path and policy positioning caused widespread controversy, small loan companies truly serve farmers and micro and small enterpri- ses, to promote the development of the local economy, this issue is very critical. This article using the relationship between small loans company and the farmers＇ per capita net income of the Guizhou Province in, model results show a small amount of the loan company while the peasants＇ income growth has been facilitated in Guizhou Prov- ince, and economic played the role of facilitator, but results were not significant. Removing economic and maturity level of the model with delay constraints, empirical results demonstrate the development of micro - credit companies are not perfect. Based on this, the author put forward promote microfinance companies and interactive efficiency policy recommendations and the national economy in Guizhou.