区域信贷规模与经济增长的相关性研究

区域信贷规模与经济增长的相关性研究
 
摘要： 信贷规模1直以来都是国家调节经济的杠杆之1。那么，信贷规模对经济的发展究竟有什么影响？本文针对信贷规模与经济的关联的问题做1些简单的研究。1998年以前，国家对各商业银行的信贷规模都是有严格的控制，在这样的1种经济环境下，资金的流动对地区经济有着怎样的影响？而1998年取消信贷规模以后，资金的流动又对地区经济发展有着什么样的影响？中央银行宣布从1998年1月1日起取消信贷规模，主要依靠再贷款，公开市场操作，再贴现，法定存款准备金、存贷款利率，窗口指导等间接的调控手段进行调控，以实现货币政策目标。地区新旧企业资金来源主要是靠银行信贷。资金的富裕程度在1定程度上将影响地区的经济发展。取消现代规模后，资金的流动性更强，地区资金的不平衡就更加明显。因此，在宏观调控，金融监管和商业银行自身经营等方面都要有所举措，抑制和缩小地区差距。
     关键词：信贷规模；信贷资金；公开市场操作；储蓄资金

In the Relationship between Regional Credit Scale and Economic Growth
 
Abstract： Credit scale has been the state regulation of the economy as one of the levers. Then, the credit scale, the economic development is what? Based on the credit scale, and economic-related issues and do some simple research. Prior to 1998, the state of the commercial banks credit scale are all strictly controlled. In such an economic environment, the flow of funds to regional economic ,What is the impact? And in 1998 after the abolition of the credit scale, capital flow will be in the regions economic development and what kind of impact is? Central Bank announced that from January 1, 1998 to abolish the credit scale, relying mainly on longer loans, open market operations, rediscounts, statutory reserve deposits, the interest rates for deposits and loans, windows and so forth indirect control means control, to achieve the objectives of monetary policy. Old and new areas of enterprise fund is the main source of bank credit. Funds wealthier certain extent, affected the regions economic development. After the abolition of modern scale, the mobility of a stronger, regional capital of the more obvious imbalance. Thus, in macro-regulation and control, financial control and the management and operation of commercial banks and so on must take steps. Inhibition and narrowing the gap between regions. （科教论文网 Lw.nsEAc.com编辑整理）
 Keywords：Credit scale； Credit funds； Open market operations savings funds
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