金融发展、企业控股权性质与商业银行长期信贷资金分配
发布时间：2019-08-12 15:15
【摘要】：由于历史与现实的原因,中国东西部地区金融市场发育程度存在较大差异,从而对商业银行长期信贷决策产生不同的影响。商业银行在进行长期信贷资金分配时,除了关注企业的偿债能力,也会把企业的控股权性质作为考察指标,使不同产权性质的企业面临不同的融资约束。本研究表明,金融市场发育程度影响了商业银行长期信贷决策,金融市场发展与银行长期信贷资金配置之间呈负相关关系,即金融市场发展越完善,商业银行提供的长期信贷资金比例越低;而产权性质依然是影响银行长期信贷资金决策的主要因素,非国有企业在获取长期信贷资金方面面临更多的约束。
[Abstract]:Because of the historical and realistic reasons, there is a big difference in the development of the financial market in the western part of China, which has different influence on the long-term credit decision of the commercial bank. In the long-term credit allocation, the commercial bank, in addition to paying attention to the debt-paying ability of the enterprise, will also take the stock-controlling property of the enterprise as an inspection index, so that the enterprises with different property rights can face different financing constraints. The research shows that the degree of financial market development has a negative correlation between the long-term credit decision-making of commercial banks, the development of financial market and the long-term credit fund allocation of the bank, that is, the more perfect the development of the financial market, the lower the long-term credit capital provided by the commercial banks; The property of the property is still the main factor that influences the long-term credit fund-making of the bank, and the non-state-owned enterprises face more constraints in the acquisition of long-term credit funds.
【作者单位】： 南京农业大学经济管理学院;连云港市邮政储蓄银行;
【基金】：教育部人文社科基金项目(10YJAZH077) 江苏省高校哲学社会科学研究基金项目(09SJD630051)的资助
【分类号】：F832.4;F224
[Abstract]:Because of the historical and realistic reasons, there is a big difference in the development of the financial market in the western part of China, which has different influence on the long-term credit decision of the commercial bank. In the long-term credit allocation, the commercial bank, in addition to paying attention to the debt-paying ability of the enterprise, will also take the stock-controlling property of the enterprise as an inspection index, so that the enterprises with different property rights can face different financing constraints. The research shows that the degree of financial market development has a negative correlation between the long-term credit decision-making of commercial banks, the development of financial market and the long-term credit fund allocation of the bank, that is, the more perfect the development of the financial market, the lower the long-term credit capital provided by the commercial banks; The property of the property is still the main factor that influences the long-term credit fund-making of the bank, and the non-state-owned enterprises face more constraints in the acquisition of long-term credit funds.
【作者单位】： 南京农业大学经济管理学院;连云港市邮政储蓄银行;
【基金】：教育部人文社科基金项目(10YJAZH077) 江苏省高校哲学社会科学研究基金项目(09SJD630051)的资助
【分类号】：F832.4;F224
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