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优化信贷结构,更好的发挥政府在信贷资源配置中的作用,是未来我国银行业改革发展的重要内容。本文利用全国30个省市2004-2014年的省际面板数据,运用固定效应模型,研究政府干预和信贷结构对信贷风险的影响。研究结论表明,政府干预不是产生信贷风险的主要原因,不同维度的信贷结构对信贷风险具有差异化的影响。本文还进一步揭示了政府干预通过信贷结构对信贷风险产生间接影响的作用机制。
Optimize the credit structure and better play the role of government in the allocation of credit resources is an important part of the reform and development of China’s banking industry in the future. Based on the provincial panel data from 2004 to 2014 in 30 provinces and cities in China, this paper uses the fixed-effects model to study the impact of government intervention and credit structure on credit risk. The conclusion of the study shows that government intervention is not the main reason for credit risk, and the credit structure of different dimensions has a different impact on credit risk. This article further reveals the mechanism by which government intervention indirectly affects credit risk through credit structure.