| 商业银行信贷集中对经济金融运行的影响及对策研究 |
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| 引用本文： | 孙琴月.商业银行信贷集中对经济金融运行的影响及对策研究[J].福建农林大学学报(哲学社会科学版),2008,11(6):52-56. |
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| 作者姓名： | 孙琴月 |
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| 作者单位： | 福建农林大学经济与管理学院,福建,福州,350002 |
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| 摘 要： | 从信贷集中问题的具体表现入手,通过分析信贷集中产生的原因,如国家政策的干预、银行经营观念的转变、信贷管理体制高度集中、银行间恶性竞争等,揭示了信贷集中带来的负面影响,如引发系统性金融风险、不利于中小企业从银行获得资金、不利于区域经济的协调发展,提出了相应的解决信贷集中问题的对策建议。
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| 关 键 词： | 信贷集中 信贷管理创新 信贷集中度监管 |
Influence of loan concentration on economy and finance and the countermeasures of commercial bank |
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| SUN Qin-yue.Influence of loan concentration on economy and finance and the countermeasures of commercial bank[J].Journal of Fujian Agriculture and Forestry University,2008,11(6):52-56. |
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| Authors: | SUN Qin-yue |
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| Institution: | SUN Qin-yue(College of Economics , Management,Fujian Agriculture , Forestry University,Fuzhou,Fujian 350002,China) |
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| Abstract: | This paper illustrates the present situation of loan concentration and then gives a deep analysis of the causes,such as government policies,the view of bank management high loan-concentration system,bad competition between banks and reveals the harmful influence of loan concentration on economicy and finance,such as risk of finance、middle-small sizes corporate being difficult to obtain loan from banks、and unfavourable for coordinated development of regional economicy.Accordingly the corresponding countermeasures to solve the loan concentration are proposed. |
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| Keywords: | loan concentration loan management system innovation loan concentration rate control |
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