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A Research on the Relationship between the Scale and Structure of the Credit and the Inflation

Author: PengYaQin
Tutor: ZengLingHua
School: Hunan University
Course: Finance
Keywords: credit scale credit structure inflation
CLC: F832.4
Type: Master's thesis
Year: 2012
Downloads: 28
Quote: 0
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This paper centralizes credit scale and credit structure, studies the relationshipbetween the credit and inflation in our country. This article analyzes credit in fouraspect: credit scale, industry structure of credit, maturity structure of credit and assetquality structure of credit, discusses the relationship between the credit and inflationfrom the four aspect mentioned above.First, the theoretical relationship between the credit and inflation is decomposedinto two relationships in this paper: credit and money supply, money supply andinflation. Then we discuss the relationship between the credit and inflation with theMoney Multiplier Theory, the Endogenous Money Theory, the Classical QuantityTheory of Money, the General Equilibrium Theory and the Modern Quantity Theoryof Money, which assume that the credit and inflation influence each other.Then, this paper discuss the credit scale, the credit structure and inflationquantitatively and qualitatively, including the current station and characteristics ofour country’s credit scale, the sources of credit funds, the causes of credit scale, thecurrent station and causes of industry structure of credit, maturity structure of creditand asset quality structure of credit in our country, our historical inflation situation,inflation characteristics and causes at the present stage. Furthermore, we analyze thetheoretical interaction mechanism between the credit scale and inflation, the creditstructure and inflation.We use the vector auto regression model to analyze the relationship between thecredit scale and inflation, the credit structure and inflation. First of all, we discus s therelationship between the credit and inflation, come to the conclude that the inflationcome to the same direction with the credit scale, however, the credit scale come to theopposite direction from the inflation. Then, we discuss the relationship be tweenindustry structure of credit, maturity structure of credit, asset quality structure ofcredit and inflation, come to the conclude that the industry structure of credit and thematurity structure of credit influence inflation, the asset quality struct ure of credit andinflation is reciprocal causation. We finally discuss the economic significance of theempirical results.Based on the theoretical and empirical analysis, we suggest that the governmentcontrols the credit scale in reason, pursues the asset-liability management in a hurry, balances the credit maturity structure, improves the credit quality, reduces thenon-performing credit ratio, reduces the social excessive dependence on credit andurge the deposit rate to play an active role. The banks should also increase theawareness of credit risk control.

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CLC: > Economic > Fiscal, monetary > Finance, banking > China's financial,banking > Credit
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