银行竞争、区域信贷差异与企业信贷融资行为

发布时间：2018-03-07 08:14

本文选题：银行竞争　切入点：区域信贷差异　出处：《安徽工业大学》2012年硕士论文　论文类型：学位论文

【摘要】：改革开放以后，由于受到政治、经济等重大因素的影响，使得我国金融发展的差异性逐渐显现。尤其是我国的经济体制由原先的计划经济向市场化经济转型，整个国民经济运行机制、资源配置方式以及经济发展战略都发生了重大变化，各地区市场化的进程差异化也逐渐加大。我国东部经济发达地区凭借其较快的市场化进程以及良好的金融环境，客观上对金融资源产生了巨大的需求。相反的，中西部地区经济发展水平较低、市场化程度较弱，金融资源只能形成较低利用率。由于金融资产均具有很强的流动性，，资金的趋利性使得资金从经济欠发达的中西部地区逐渐流向经济发达的东部地区，并呈现出差距扩大的趋势。随着我国银行业的不断开放，必将加速我国境内的所有商业银行之间的竞争，这种竞争并不仅仅表现在中外资银行之间的竞争，而且中资银行间也将产生激烈的竞争。银行业间的竞争方式也将从简单的抢客户转向产品竞争和价格竞争。随着利率市场化，银行间的价格战也将更加明朗化；国外银行的先进管理水平和先进产品将提升其竞争的层次。那么企业能否从银行竞争中获利，经济落后地区企业的信贷可得性能否得到提高，将是我们关注的重点。国有商业银行的垄断地位和区域金融发展的不均衡，使我国不同地区之间企业在信贷融资方面出现差异，这种差异既表现在企业信贷融资占总资本比例方面，也表现在银行借款利率方面。银行业竞争能在一定程度上改善商业银行信贷行为，但竞争程度提高能否改进区域信贷融资差异一直缺乏有说服力的研究。本文利用2002-2009年度我国A、B股上市公司有关数据，利用实证研究方法分析银行业竞争对区域信贷融资差异的影响，结果表明，东部地区企业信贷融资比例显著高于中西部地区，银行借款的利率也高于中西部地区；随着我国银行业改革的逐渐深入，银行业竞争程度的提高，东部地区和中西部地区在信贷融资比例和利率方面的差异逐步缩小。本文的政策建议是我国金融部门应放松银行业进入限制，适时推进利率市场化改革，提高银行业竞争力度，实现区域企业信贷融资的均衡。
[Abstract]:After the reform and opening up, due to the influence of political, economic and other important factors, the difference of financial development in our country has gradually appeared. Especially, the economic system of our country has been transformed from the planned economy to the market-oriented economy. Major changes have taken place in the operational mechanism of the entire national economy, the mode of allocation of resources and the strategy of economic development. The differences in the process of marketization in various regions are also gradually increasing. With its rapid marketization process and good financial environment, the eastern developed areas of China have a huge demand for financial resources objectively. The level of economic development in the central and western regions is relatively low, and the degree of marketization is relatively weak, and the financial resources can only form a relatively low utilization rate. The trend of capital profit makes the capital flow gradually from the underdeveloped central and western regions to the eastern region of the developed economy, and shows a trend of widening gap. With the continuous opening of China's banking sector, it will accelerate the competition among all commercial banks in China, which is not only manifested in the competition between Chinese and foreign banks. There will also be fierce competition among Chinese banks. The competition between banks will also shift from simply robbing customers to product competition and price competition. With the marketization of interest rates, the price war between banks will become more clear; The advanced management level and advanced products of foreign banks will raise the level of competition, so whether enterprises can profit from the competition of banks and whether the credit availability of enterprises in economically backward areas can be improved will be the focus of our attention. The monopoly position of state-owned commercial banks and the imbalance of regional financial development make the enterprises in different regions of China have different credit financing, which is manifested in the proportion of enterprise credit financing to the total capital. It is also shown in the interest rate on bank borrowing. To some extent, competition in the banking sector can improve the credit behavior of commercial banks. However, there has been a lack of convincing research on whether the improvement of competition can improve the regional credit financing differences. This paper uses the data of the listed companies of Aand B shares in our country from 2002 to 2009. The empirical research method is used to analyze the impact of banking competition on the regional credit financing difference. The results show that the proportion of enterprise credit financing in the eastern region is significantly higher than that in the central and western regions, and the interest rate of bank loans is also higher than that in the central and western regions. With the deepening of China's banking reform, the degree of competition in the banking industry has increased. The differences between the eastern region and the central and western regions in credit financing ratio and interest rate are gradually narrowing. The policy suggestion of this paper is that the financial sector of our country should relax the entry restrictions of the banking sector, promote the interest rate marketization reform in good time, and enhance the competition of the banking industry. Realize the balance of regional enterprise credit financing.
【学位授予单位】：安徽工业大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.4;F224

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