哈尔滨工业大学工商管理硕士学位论文
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摘 要
地区生产总值是衡量一个地区经济增长的重要指标，金融机构信贷是推
动经济发展的重要力量。如何做到既保持地区经济健康、平稳、快速增长，
又能最大化的规避金融机构信贷风险的产生，实现两者协调发展，这个问题
是需要我们认真思考的。因此，本文研究黑龙江省金融机构信贷与经济增长
的关系具有重要的现实意义。

本文首先对我省经济发展和金融机构信贷发展的总体和结构情况以及两
者之间的关系进行初步分析。然后运用经济计量学的方法从信贷投放总量和
结构两个方面与经济总量作了实证分析，结果表明信贷投放在支持我省经济
增长中发挥着相当重要的作用，贷款投放规模的扩大可以拉动经济增长，而
且这种作用在中长期贷款中表现得更加明显。接着根据本文研究结果，发现
虽然我省金融机构信贷对经济增长起到了不可或缺的支持作用，促进经济增
长效果明显，但是也存在着一些不完善之处，如信贷总量偏小、信贷投放期
限分配不合理、产业结构倾斜、区域分布失衡和金融生态环境建设欠佳等问
题。要解决好这些问题就需要相应做到拓宽信贷融资渠道、合理分配投放期
限、优化信贷产业结构、调整信贷区域分布以及加强金融生态环境建设等具
体措施。希望通过优化金融机构信贷可以促进我省经济更好更快增长。

关键词：金融机构信贷；经济增长；计量分析哈尔滨工业大学工商管理硕士学位论文
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Abstract
GDP is an important index to measure the economic growth of a region, the
credit of financial institutions is an important force to promote economic
development. How to keep regional economy healthy, stable, rapidly growth,
meanwhile, to maximize the financial institutions to avoid from credit risk, to
realize the coordinated development, that’s the problem we need to think about
seriously. Therefore, this paper studies the relationship between financial
institutions credit and economic growth in Heilongjiang province has the
important practical significance.
Firstly, this paper analysis the development of our province's economic
development and financial institutions credit total and structure as well as the
relationship between the two. Then, it makes empirical analysis from the two
aspects of the total credit amount and structure with the total economy by using
the method of econometrics. The results show that credit plays an important role
in supporting of the province’s economic growth. Loan scale can stimulate
economic growth, and this effect is more evident in the medium to long term
loans. Then according to the results of this study, we find that financial
institutions credit support the indispensable role to the economic development in
our province and promote the economic growth obviously. But there are also
some imperfections, for example, the credit amount is small, the credit period
unreasonable distribution, industrial structure incline, regional distribution
imbalance and the financial ecological environment construction is poor. To
solve these problems, we need to broaden the financing channels, the
corresponding credit allocation on the period, optimize the credit structure, the
adjustment of credit regional distribution and strengthen the financial ecological
environment construction. We hope that we can promote the economic growth
better and faster in our province by optimizing the credit of financial institutions.
Keywords: financial institutions credit, economic growth, econometric analysis