银行信贷对三次产业增长作用的差异分析：北京例证

摘要金融是现代经济的核心，而银行是金融体系的主体，其信贷水平往往对产业结构的调整发挥着重要作用。通过北京银行信贷对三次产业增长作用的协整分析，发现北京银行信贷对第二产业增长的贡献度大于第一产业的贡献度，而对第三产业的贡献度又大于第二产业。为继续调整优化北京区域产业结构，笔者建议：适时加大银行信贷支持力度或维持银行信贷规模；根据不同的产业实行差别化的信贷政策；优化信贷结构，提高信贷效率，倡导“绿色信贷”。

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	国晓丽

关键词：银行信贷三次产业差异北京

Abstract： Finance is the core of modern economy and bank is still the mainstay of financial system. Bank credit usually has an important effect on the adjustment of industrial structure. Through a co-integration analysis of the effect of bank credit on the three strata of industry of Beijing, it is found that the contribution of bank credit to the second industry is greater than that to the first industry and the contribution of bank credit to the third industry is greater than that to the second industry. In order to go on adjusting and optimizing industrial structure, the author put forward the following suggestions: enhancing the support of bank credit at proper time or maintaining the scale of bank credit; implementing different credit policies according to different industries. The author also presented her ideas for further study: optimizing the structure of credit, raising the efficiency of credit and advocating the concept of “green credit”.

Keywords： bank credit three strata of industry difference Beijing

收稿日期 2011-03-18; 接受日期 ; 网刊发表日期 2011-09-25

作者简介: 国晓丽（1978-），女，内蒙古赤峰人，中华女子学院金融系讲师，经济学博士，主要从事区域金融研究。

引用本文:

国晓丽.银行信贷对三次产业增长作用的差异分析：北京例证[J]. 经济经纬, 2011,5: 46-49

GUO Xiao-li.Analysis of the Difference in the Effect of Bank Credit on Three Strata of Industry: A Case Study of Beijing[J] Economic Survey, 2011,V28(5): 46-49

链接本文:

http://www.jjjw.org.cn/CN/ 或 http://www.jjjw.org.cn/CN/Y2011/V28/I5/46