摘要
国有行“小微贷款增长30%”的信贷政策效果如何,各方说辞不一。本文以浙江28个县市、台州市国有行6316家小微企业贷款数据以及35.6万市场主体数据为样本,综合运用传统计量与大数据分析方法,探讨该政策实际效应、区域差异、影响因素及未来政策空间等问题,结论显示:国有行小微信贷政策的“头雁效应”明显强于“掐尖效应”;“金融市场化程度”、“金融发展水平”、“经济发展水平”越高的地区,“头雁效应”越弱;从全国看,国有银行小微信贷政策在绝大部分地区仍然有较大的空间。
There are different opinions on the effect of the credit policy of "30% increase in small and micro loans" for the state-owned banks. This paper uses loan datas from 28 counties in Zhejiang and from 6316 small and micro enterprises which were clients of state-owned banks in Taizhou, and datas from 356,000 market entities as samples in Taizhou as samples, combined with traditional measurement and big data analysis methods, to explore the actual effects, regional differences, influencing factors and future space of this policy and other issues. The conclusion shows that: the "effect of head-goose" of the this policy is obviously stronger than the "effect of pinch". The higher levels of "financial marketization", "financial development", and "economic development", The "effect of head-goose" is weaker. From the national perspective, this policy still has a large space in most areas.
出处
《浙江金融》
2020年第12期8-18,共11页
Zhejiang Finance
关键词
小微信贷政策
“头雁效应”
“掐尖效应”
大数据分析
Small and Micro Credit Policy
“Effect of Head-goose"
“Effect of Pinch"
Big Data Analysis
