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本文借助灰色关联分析法来研究城镇化与有效信贷需求二者的关系。实证结果表明,城镇化与有效信贷需求正相关。一方面,城镇化将为金融业发展带来新的机遇;另一方面,金融业还将为城镇化发展提供有力支持。除城镇GDP外,商业性金融信贷余额与城镇化其他各指标的关联度都较大,这一结果反映出现阶段依靠商业性金融信贷强力推进城镇化建设进程的现状。
This paper uses gray relational analysis to study the relationship between urbanization and effective credit demand. Empirical results show that urbanization is positively correlated with effective credit demand. On the one hand, urbanization will bring new opportunities for the development of the financial industry; on the other hand, the financial industry will also provide strong support for urbanization. Except for urban GDP, the balance of commercial financial credit and other indicators of urbanization are relatively large, and this result reflects the current situation of strongly promoting commercialization of urbanization by commercial credit at this stage.