东北振兴战略实施过程中银行业资金配置效率的制约因素和提升路径研究--基于百名支行行长观点的问卷调查

The Restricting Factors and the Improving Path of the Banking Fund Allocation Efficiency in the Northeast Revitalization

银行业是经济生态环境中的重要组成部分,与地区经济发展相互作用,共生共荣。新常态下东北老工业基地发展面临严峻挑战,当地银行业在有效信贷需求不足、行业风险积聚上升等不利经营环境下,信贷投放增长乏力、结构不合理等资源配置问题凸显,制约了金融对地区经济发展的支持作用。本文以资本形成机制为理论分析框架,依托《百名支行行长观点调查问卷》,从银行业信息收集分析效率和风险分担两个维度,分析当前银行业资金配置效率的制约因素,并提出加速产业结构调整和城镇化建设、优化金融生态环境、提升风险定价准确性等对策建议。

The banking industry is an important part of an economy,which affects the regional economic development and vice versa.Under the new normal,the development of the northeast China is facing severe challenges.The business environment of the local bank is deteriorating;the effective credit demand is insufficient;the industry risk is accumulating.On the other hand,the misallocation of financial resources,including slow credit growth and irrational credit structure,restricts the regional economic development.In this paper,we use the capital formation mechanism as the theoretical analysis framework,and investigate views of hundreds of head of local bank branches as the analytic base.We also analyze the constraints of the banking industry fund allocation efficiency from two dimensions：the efficiency of banking information collection and processing and risk sharing.Finally,this paper proposes some important advices,such as speeding up industrial restructuring and urbanization,optimizing the financial ecological environment,improving the accuracy of risk pricing.