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。
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.
出处
《福建农林大学学报（哲学社会科学版）》
2008年第6期52-56,共5页
Journal of Fujian Agriculture and Forestry University(Philosophy and Social Sciences)
关键词
信贷集中
信贷管理创新
信贷集中度监管
loan concentration
ioan management system innovation
loan concentration rate control
