欠发达地区信贷资源配置问题研究——基于山东省德州市的实证分析

Study on the Credit Resource Allocation Problem in Less Developed Areas——Based on Empirical Analysis of Shandong Province Dezhou City

近年来,商业银行普遍上收信贷审批权限,对申请贷款的企业和项目要在全省乃至全国层面统筹考量,这就使信贷资源配置倾向于发达地区,导致欠发达地区资金外流和信贷投放不足。欠发达地区政府为缓解这一由商业银行的市场行为导致的问题,采取多种措施影响市场,为信贷投放培育良好的环境,以争取更多的金融资源,也取得了一定的效果。本文力图分析这种地方政府行为的合理性、有效性和必要性,并研究其存在的问题及合理边界,以期对经济金融的均衡发展有所启示。

In recent years, the approval authority of loan has concentrated in the head office of each commercial banks, for the enterprises and projects which applying for the loans has been considered on the level of the province or even overall nation. which makes the allocation of credit resources tend to developed areas, resulting the outflow of fund and credit deficiency in the underdeveloped region. For these regions, in order to ease the negative effect caused by the market behavior of the commercial Bank, the government take various measures to influence the market, cultivate good credit environment and has obtained the certain effect. This paper tries to analyze the rationality, validity and necessity of local government behavior and study the existing problems and the rational boundary, aiming to give some inspiration to the balanced development of economic and finance.