摘要
本文选取2006。2010年全国2069个县（市）的面板数据，采用固定效应模型，从县域金融总体和县域商业银行、县域信用社两个层面分析影响不良贷款率变化的宏观和微观因素。研究发现：增加县域居民可支配收入、固定资产投资、加强政府财政支持、优化资源配置和产业结构，有助于化解县域金融信贷风险；县域商业银行农贷业务的信贷风险与农贷市场份额正相关；县域信用社的运营能力对降低县域金融机构的不良贷款率有重要影响。为有效化解县域金融信贷风险，应完善征信体系以优化县域金融生态环境，实施积极的县域宏观调控政策以提高居民收入。
Based on the panel data of China＇s 2069 counties （cities） during 2006N2010 and the fixed effect model, this paper analyse the macro and microfactors to impact the changes in nonperforming loan （NPL） ratios of the overall county financial institutions and the county commercial banks or county credit unions. It＇s found that the increases in county residents＇ dispos able income, fixed assets investment, governmental financial support, optimization of resource allocation and industrial structure help resolve the risks of county financial credit; the credit risks of the agricultural credit business of county commercial banks are positively related to their market share of the business; the operational capacity of county credit unions has an important in fluence on decrease in the NPL ratio of county financial institutions. In order to resolve the financial credit risks effectively, it＇s necessary to improve credit system to optimize county financial ecological environment, and implement active policy to increase county residents＇ income. e
出处
《金融论坛》
CSSCI
北大核心
2013年第10期9-15,57,共8页
Finance Forum
基金
湖北省社科基金(2011LJ023)
关键词
县域金融机构
县域商业银行
县域信用社
信贷风险
county financial institution
county commercial bank
county credit union
credit risk
