| 地方政府债务扩张与银行信贷风险 |
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| 引用本文： | 胡援成,张文君.地方政府债务扩张与银行信贷风险[J].财经论丛,2012(3):59-65. |
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| 作者姓名： | 胡援成 张文君 |
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| 作者单位： | 江西财经大学金融发展与风险防范研究中心,江西南昌,330013 |
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| 基金项目： | 国家自然科学基金资助项目，江西省高校人文社会科学重点研究基地资助项目 |
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| 摘 要： | 国际金融危机后实施的"金融救市"政策是导致地方政府债务迅速扩张的外部因素,地方政府债务的迅速扩张又反过来加剧了银行的信贷风险,为金融体系的不稳定性埋下隐患。实证研究发现,金融危机后实施的救市政策构成了商业银行"对政府债权"的显著差异与结构突变;商业银行"对政府债权"对银行的不良贷款率和存贷比显著正相关。
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| 关 键 词： | 地方政府 债务扩张 信贷风险 |
Local Government Debt Expansion and Bank Credit Risk |
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| HU Yuan-cheng
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ZHANG Wen-jun.Local Government Debt Expansion and Bank Credit Risk[J].Collected Essays On Finance and Economics,2012(3):59-65. |
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| Authors: | HU Yuan-cheng ZHANG Wen-jun |
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| Institution: | (Research Center for Financial Development and Risk Prevention,Jiangxi University of Finance and Economics,Nanchang 330013,China) |
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| Abstract: | Financial rescue measures implemented after international financial crisis result in the local government debt expansion,and in turn the government debt expansion aggravates the bank credit risk,which plants hidden danger for financial instability.The empirical study finds out that the financial rescue measures constitute the significant difference and structure breaks of "claims on government",which vary with non-performing loan ratio and loan to deposit ratio. |
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| Keywords: | local government debt expansion credit risk |
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