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加大经济结构调整、加快转变经济发展方式是我国“十二五”规划的主线。对银行业而言,优化信贷结构是做好结构调整的重要内容。信贷结构是指银行业金融机构信贷资金在各个不同维度之间的比例关系,主要包括行业结构、期限结构、贷款主体结构、贷款类型结构、区域结构等内容。信贷结构不仅决定着银行体系的风险状况和长远发展,也对经济增长方式有着重要的深远影响。本文以宁夏自治区为例,对信贷结构变化对欠发达小省区经济增长的影响进行了分析,并提出了优化信贷结构、促进经济结构转型的政策建议。
To increase economic restructuring and speed up the transformation of economic development are the main lines of China’s “Twelfth Five-Year Plan”. For the banking industry, optimizing the credit structure is an important part of structural adjustment. Credit structure refers to the proportion of credit funds of banking financial institutions in different dimensions, including the structure of industries, the term structure, the structure of the main loan, the type of loan structure, the regional structure and so on. The credit structure not only determines the risk profile and long-term development of the banking system, but also has an important and far-reaching impact on the mode of economic growth. Taking Ningxia Autonomous Region as an example, this paper analyzes the impact of credit structure change on the economic growth in the underdeveloped small provinces and autonomous regions and puts forward some policy suggestions on how to optimize the credit structure and promote the economic restructuring.