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本文以广东省10年来的信贷资金运行情况进行实证研究,分析我国信贷资金季节性波动的基本特征。研究发现我国的信贷资金运行存在明显的季节波动特征,但是波动趋势逐渐走向平缓,信贷季节波动受经济活动的季节周期和信贷管理政策双重决定。
This paper conducts an empirical research on the operation of credit funds in Guangdong over the past 10 years and analyzes the basic characteristics of the seasonal fluctuations of credit funds in China. The study found that there is a clear seasonal fluctuation in the operation of credit funds in our country, but the trend of fluctuation is gradually gentle. The seasonal fluctuations of credit are determined by the seasons and credit management policies of economic activities.