信贷投放对西部欠发达地区经济的影响效应分析——以青海省为例

The Analysis on the Influencing Effect of the Credit Supply on the Economy of the Less Developed Western Areas——A Case of Qinghai Province

在西部欠发达地区以间接融资为主导的金融体系下,信贷投放是金融发挥配置经济资源功能的主要手段,信贷资金的合理、均衡投放,以及信贷资金的高效利用将会对经济发展质量和经济运行效率产生重要影响。本文以青海省为例,客观分析西部欠发达地区信贷投放现状及存在的问题,建立向量自回归模型,实证检验信贷投放对西部欠发达地区经济的动态效应和贡献,针对分析结论提出相关政策建议。

Under the financial system in which the less developed western areas are dominated by the indirect financing, the cred-it supply is a major means for finance to play a role in allocating economic resources, and the reasonable and balanced allocation aswell as the efficient utilization of credit funds will place an important influence on the quality of the economic development and theefficiency of the economic operation. Taking Qinghai province as an example, the paper objective analyzes the status quo and existingproblems of the credit supply in the less developed western areas, establishes a vector auto regressive model, makes the empirical teston the dynamic effect and contribution of the credit supply to the economy of the less developed western areas, and in view of theanalysis conclusion puts forward relevant policy suggestions.