县域不良贷款率与金融生态关系的实证分析

Empirical Analysis of Regional Credit Risk at the County Level and Financial Ecology and

金融生态的优劣影响县域信贷风险水平,良好的金融生态有利于县域信贷风险的降低,对维护金融稳定、防范区域性系统性金融风险等有重要作用。采用湖南省2010-2015金融生态年度评估所得的县域数据,实证分析金融生态对不良贷款率的影响。实证结果显示：金融生态水平的提高有利于降低县域不良贷款率,金融生态得分每提高1分,可使不良贷款率下降0.478个百分点,地区经济越发达,金融生态改善对不良贷款率的降低效果也更明显,体现了金融生态与经济金融之间的良性互动;信用环境对降低不良贷款率也有显著的作用。经济新常态下,为有效控制县域信贷风险,地方政府应加强县域金融生态建设,尤其是信用环境建设。

The financial ecology has an impact on regional credit risk. Health financial ecology can reduce the credit risk,and it plays an important role on maintaining financial stability and preventing regional & systemic financial risks. Based on the theoretical assumptions,with the data of county financial ecology assessment of Hunan province from 2010 to 2015,this paper analyses the effects of the financial ecology on regional credit risk. The empirical results show that the improvement of county financial ecology can lower the NPLR of counties( cities). With the financial ecological score one point increases,the non-performing credit rate of counties and cities will fall by 0.478%; The more advanced an area is,the more obvious the effect on the improvement of the financial ecological lowing the NPLR is. And the environment of credit also has significant effects on reducing the NPLR. Under the economic new normal,in order to control regional credit risk effectively,the local government should strengthen the financial ecology construction,especially the credit environment construction.