反腐会影响企业信贷吗——来自我国工业企业数据的证据

发布时间：2018-02-26 15:42

本文关键词： 反腐企业信贷所有权政治关联企业规模　出处：《财会月刊》2017年32期 　论文类型：期刊论文

【摘要】：利用2012~2015年间我国工业企业数据和手工收集的各省市反腐数据,实证分析反腐对企业获得的商业银行信贷的影响后发现:第一,反腐会显著增加企业信贷的可获得性;第二,反腐会显著增加企业的信贷额度和贷款期限,并且会显著降低贷款利率;第三,随着企业所有权、政治关联和资产规模因素的不同,反腐对企业信贷的影响机制存在显著差异。
[Abstract]:Based on the data of industrial enterprises in China and the anti - corruption data collected manually in China from 2012 to 2015 , the empirical analysis of the effect of anti - corruption on the credit of the commercial banks obtained by enterprises shows that the first , the anti - corruption can significantly increase the availability of the enterprise credit ; secondly , the anti - corruption will significantly increase the credit line and the loan term of the enterprise , and will significantly lower the loan interest rate ; and thirdly , the effect mechanism of the anti - corruption on the enterprise credit is significantly different as the enterprise ownership , political association and asset scale factor are different .

【作者单位】：陕西建工第八建设集团有限公司;
【分类号】：D262.6;F425;F832.4

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