经济发展对信贷增长促进作用的实证分析

对信贷增长与经济增长的关系进行研究,对于探索经济金融协调发展之路有着重要的政策含义.本文选取反映经济发展水平最具代表性的GDP和货币政策决策的重要信息变量之一的信贷规模,建立东、中、西部地区相关回归模型,分区域对经济发展促进信贷增长的作用进行了比较分析.结果显示:经济发展水平决定了金融发展水平,区域经济发展的差异会导致区域金融发展也存在差异.

Empirical Research on the Effect of Economic Development on Credit Growth

To research the relationship between credit growth and economic development is of great importance for government policies.This paper builds a regression model with GDP and credit scale for the East,Middle and West part of China.Our results show that the economic development determines the financial development and that regional differences in economic development may lead to regional differences in finance development.