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本文选取了15个省市近四年来的经济金融数据,结合区域经济增长理论,分析了不同区域在相应发展阶段经济和金融的突出特点以及信贷投放与经济增长的关系。研究结果表明我国信贷增长存在明显的地区差异,但信贷增长所引致的投资增长却不存在显著差异,因此信贷增长的地区差异可能是导致信贷增长对投资以及经济增长效率持续下降的重要原因。此外,相较于投资而言,信贷增长对消费的影响还不够显著,信贷对整体经济发展作用的渠道还比较单一。因此,我们认为改变信贷投放的行业结构、部门结构、区域结构可以更好地发挥金融对经济增长的促进作用。
This paper selects the economic and financial data of 15 provinces and cities in recent four years and analyzes the prominent features of economy and finance in different regions in the corresponding development stages and the relationship between credit distribution and economic growth in combination with the theory of regional economic growth. The results show that there are obvious regional differences in credit growth in our country. However, there is no significant difference in the growth of investment caused by credit growth. Therefore, the regional differences in credit growth may be the important reasons for the continuous decline of investment and economic growth caused by credit growth. In addition, compared with the investment, the impact of credit growth on consumption is not significant enough. The credit channel has a single channel for the overall economic development. Therefore, we believe that changing the industry structure, sector structure and regional structure of credit distribution can better exert the promotion effect of finance on economic growth.