银行业竞争、信贷规模歧视和上市公司银行借款融资差异

发布时间：2018-05-15 12:09

本文选题：银行业竞争 + 信贷规模歧视　；参考：《经济经纬》2010年04期

【摘要】：银行借款是我国企业的主要融资渠道,而我国由于银行业竞争不充分,造成银行业存在比较严重的卖方市场地位。由于国有商业银行激励不足,加上中央银行对商业银行风险管理的行政干预,使商业银行在选择贷款对象时,首先选择规模比较大的企业,形成对中小企业的信贷歧视。笔者通过对沪深上市公司1991年～2007年财务数据分析,得出两个基本结论:上市公司规模对银行信贷有重要影响;随着银行业竞争的激烈,上市公司规模对银行信贷的影响逐步降低。本文的政策启示在于:如果要缓解中小企业融资困难的经济问题,首先要加强我国金融业的竞争,只有银行之间存在一定程度的竞争,银行才有动力和压力为中小企业提供资金。
[Abstract]:Bank borrowing is the main financing channel for Chinese enterprises, but in our country, because of the insufficient competition in the banking industry, the banking industry has a serious seller's market position. Due to the lack of incentives of state-owned commercial banks and the administrative intervention of the central bank on the risk management of commercial banks, the commercial banks first choose the larger enterprises when they choose the loan objects, and form the credit discrimination against the small and medium-sized enterprises. By analyzing the financial data of Shanghai and Shenzhen listed companies from 1991 to 2007, the author draws two basic conclusions: the scale of listed companies has an important impact on bank credit, and with the fierce competition in banking industry, The impact of the scale of listed companies on bank credit is gradually reduced. The policy implications of this paper are as follows: if we want to alleviate the economic problems of SMEs' financing difficulties, we must first strengthen the competition in our financial industry, only there is a certain degree of competition among banks. Banks have the motivation and pressure to fund small and medium enterprises.
【作者单位】：安徽工业大学管理学院;
【基金】：安微省科技厅软科学项目(10030503027) 安徽省教育厅人文社科基地项目(2010sk183)
【分类号】：F832.4

【参考文献】