基于资本利用率的商业银行公司信贷分析

发布时间：2018-02-23 00:27

本文关键词： 公司信贷资本利用率金融歧视　出处：《兰州交通大学》2014年硕士论文　论文类型：学位论文

【摘要】：改革开放以来，随着经济社会的迅速发展，银行在经济发展中发挥了越来越重要的作用，银行既协调促进经济发展，又维持了金融体系的稳定运行。目前我国商业银行面临着不少问题，经济环境多变，不良贷款余额逐年增加。处于转型中的中国，经济增长与银行发展密切相关，商业银行信贷作为公司重要的融资渠道之一，能否有效的、合理的分配发放，对于企业的生存经营有十分重要的意义。然而面对有限的信贷资金，复杂多变的经济环境，风险大小不等的各类企业，商业银行不可避免的就存在金融歧视问题。目前在我国的银行信贷市场上，许多公司很难获得信贷支持，商业银行信贷有较为严重的信贷集中问题。最明显的就是国有企业与民营企业之间的信贷差异。民营企业一般经营风险较高、管理体制不健全、信息透明度较低，商业银行对其的贷后监管成本高。国有企业具有雄厚的资金规模，抗风险能力强，商业信誉高，受到政策和资金的扶持。商业银行出于风险的考量，一般会选择国有企业作为信贷对象。商业银行信贷资金作为资本要素被企业投入劳动生产中，资本利用率就成为不可忽略的考察对象。信贷资金作为资本要素投入生产劳动中，生产要素应向要素利用率高的地方聚集。资本要素被投入企业之后，在生产经营过程中，通过与劳动力结合，创造价值或使资本增值，为企业带来收益，资本金利用率和企业效益成正相关关系，研究生产企业的资本利用率对于商业银行的信贷配置有重要意义。本研究从公司资本利用率角度，对企业融资方式和信贷差异进行了详细介绍，对公司信贷差异原因，，商业银行信贷资金配置效率等问题进行了实证分析。得出了以下几点结论：我国商业银行存在信贷歧视问题；民营企业的资本利用率普遍高于国有企业；商业银行信贷配置效率不高，并不能够很好的扶持相关行业的经营发展。
[Abstract]:Since the reform and opening up, with the rapid development of economic society, banks have played an increasingly important role in economic development. At present, our commercial banks are faced with many problems, the economic environment is changeable, and the balance of non-performing loans is increasing year by year. In China, which is in transition, economic growth is closely related to the development of banks. Commercial bank credit, as one of the important financing channels of the company, can be distributed effectively and reasonably, it is very important for the survival and management of the enterprise. However, facing the limited credit fund, the complex and changeable economic environment, All kinds of enterprises with different risks, commercial banks inevitably exist the problem of financial discrimination. At present, in our country's bank credit market, many companies are very difficult to obtain credit support. There is a serious credit concentration problem in commercial banks. The most obvious is the credit difference between state-owned enterprises and private enterprises. Private enterprises generally have higher risk of operation, imperfect management system and low transparency of information. Commercial banks have a high cost of supervision over their loans. State-owned enterprises have strong capital scale, strong ability to resist risks, high commercial reputation, and are supported by policies and funds. Generally, state-owned enterprises will be chosen as the credit target. Credit funds of commercial banks as capital elements are put into labor and production by enterprises, capital utilization ratio becomes an important object of investigation, and credit funds are put into production and labor as capital elements. The factors of production should be gathered in places where the utilization rate of factors is high. After the capital elements are put into the enterprise, in the process of production and operation, by combining with the labor force, they can create value or increase the value of the capital, so as to bring benefits to the enterprise. There is a positive correlation between the utilization ratio of capital and the benefit of enterprises. It is of great significance to study the utilization ratio of capital of production enterprises for the credit allocation of commercial banks. From the perspective of corporate capital utilization, this study introduces the financing methods and credit differences of enterprises in detail, and analyzes the reasons for the differences in corporate credit. This paper makes an empirical analysis on the efficiency of credit allocation of commercial banks, and draws the following conclusions: the credit discrimination exists in commercial banks in China, the capital utilization ratio of private enterprises is generally higher than that of state-owned enterprises; Commercial bank credit allocation efficiency is not high, can not support the development of related industries.
【学位授予单位】：兰州交通大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4

【参考文献】