资源配置的核心问题是效率问题，资源配置效率高代表着在同一技术水平条件下，资源流向最有价值创造力的行业。由于资金的逐利性，信贷资金往往会从利润低的行业流向高利润的行业，导致信贷资金在不同行业之间的配置效率具有差异性。信贷资金的配置效率高低及其不同配置组合对经济的运行和可持续发展影响重大，所以分析信贷资金不同配置组合及其原因，研究提高信贷资金配置效率的方式方法，对制定货币信贷政策、促进经济增长和调整产业结构来说，具有非常重要的意义。本文基于企业信用信息基础数据库数据，利用数据包络分析（DEA）模型对山东省主要行业的信贷数据进行实证分析，研究山东省信贷资金在各行业经济增长作用中的差异，分析各行业信贷资金配置效率情况，并对今后合理实施和调控信贷政策以促进产业发展提出相关意见和建议。%The core issue of resource al ocation is the efficiency. Resource al ocation efficiency represents the most valuable resource flows creative industries at the same technical level. Due to profit-driven funds , credit funds tend to flow to the high profits of the industry from low-margin industry, resulting in the al ocative efficiency of credit funds between different industries have differences. The efficiency of credit funds al ocation and different combinations has a great influence on the operation of the economy and sustainable development. So the analysis of different configuration combinations and the reasons for credit funds , research to improve the al ocative efficiency of the ways . It has a very important significance for the development of monetary and credit policies to promote economic growth and adjustment of industrial structure. In this paper, based on enterprise credit information database data, the efficiency analysis of the loan conditions of the main industry in Shandong Province based on the DEA model, studying on the difference of credit funds in Shandong province each industry in economic growth, and the industry of credit funds al ocation efficiency and reasonable implementation and regulation of credit policy in the future in order to promote industrial development put forward opinions and suggestions.
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