The Research On Local Government Incentive Policy To Commercial Bank Credit Support

As a part of national management, the local government has an important economic function, including the social economic development in the macroeconomic regulation and control, to help support the local economy healthy growth, in order to achieve this purpose, local governments need a large amount of fund support. From the point of view of local development, local economic development cannot leave the commercial bank credit support, and the bank credit behavior due to the asymmetry of information is easy to appear the credit rationing phenomenon, make part of the economic subject not bank financial resources support, the time to place the government should play its economic function, help the local economy subject better access to bank credit support, regulating financial resources in the society and economy of the reasonable distribution, and incentive policy is the local government to the local commercial bank credit support for the first choice of channel. The current local government to commercial bank incentive policy in summary four:financial reward, tax preference, risk compensation and financial subsidies. These policies have been to the local government incentive commercial bank credit in support of the main means, and to promote local economic development of effective way. But because of the external economic environment is not perfect and the lack of the legal system and other reasons, the incentive policy in the execution process still exist many problems, the need to make adjustments, and make it more perfect. To local government incentive commercial bank credit support policy study help place better access to bank credit support, promote local economic stable growth, at the same time, and help the Bank developing better and capital credit reasonable use correctly and efficiently.This paper first expounds the local government, local government incentive mechanism, commercial bank concept as well as the domestic and foreign scholars for the government incentive and commercial bank credit the related research, in the above theory analysis our country present stage based on local government incentive commercial bank credit support for the cause, this paper introduces the relevant incentive policies, through the incentive policy study found that at present in China, the local government incentive commercial bank credit support there still exist a incentive strength shortage, incentive direction need to adjust and corresponding problems such as the lack of the supervision system. Finally on the basis of the above analysis, this paper puts forward the local government incentive commercial bank credit support policy Suggestions for the local government to make better use of incentive policy for commercial bank credit support, promote local economic development provides a train of thought.