中国金融机构贷款长期化的实证研究

本文对中国金融机构贷款长期化的原因与影响进行了实证分析。研究表明,资金密集型产业的发展、工业化、城镇化以及商业银行改革进程都是推动中国金融机构信贷长期化的重要原因。信贷长期化既是经济发展的客观需要和经济结构影响的结果,也是金融机构对长期贷款偏好、主动进行资产配置的结果。为避免中长期贷款的过快扩张对金融机构的经营和宏观经济的运行产生负面影响,适当控制中长期贷款的增长是必要的。

An empirical study on long-term loans in China's financial institutions

The article conducts empirical study on the reason and influence of long-term loans in Chinese financial institutions.The study shows that the credit tilting toward long-term maturity is due to the development of capital-intensive industry,industrialization,urbanization,and the banking system reform.Long-term loans meet the requirements of economic development and economic structure,and result from the preference of financial institutions to long-term maturity.To avoid negative influences of excessive expansion of long-term loans on financial institution management and macro-economy operation,it is necessary to restrain the expansion of medium and long term loans.