银行业改革对上海市信贷资源配置的影响

发布时间：2019-06-25 20:59

【摘要】：我国金融体系以银行间接信用为主，银行业在我国现代经济发展中占据着重要位置，商业银行的信贷资源一直是企业生产经营主要的资金来源，优化信贷资源配置是促进我国经济社会持续健康发展的基础保障。中国现处于经济转型的关键期，国内经济资源稀缺性尤其突出，我国现有金融体系存在多种结构性缺陷，，银行业内外建设不完善，信贷资源配置出现借贷不足和借贷过度的现象，非国有企业在信贷市场不能享受到国有企业的同等待遇，甚至受到信贷歧视，造成信贷资源利用效率低下，企业生产经营受阻。在此背景下，政府肩负起推动信贷市场化的重任，在2003年末着手了新一轮的银行业改革。本文选用上海市2000-2012年规模以上企业的经验数据，以信贷市场的制度环境变迁为背景，研究银行业改革前后企业所有权性质对我国信贷资源配置的差异影响和变化。本文在总结影响信贷配置的理论因素后，通过对银行业改革具体举措的分析，提出了研究假说。在实证研究中，采用了短期贷款、长期贷款和总贷款的增长率来衡量具有不同所有制性质的企业的信贷资源获取差异及变化。研究发现企业所有权性质对信贷资源获取有突出影响，商业银行在经营信贷行为时，偏好于关系型借贷，但相比银行业改革前，改革后这种政治关系在信贷市场的作用得到了一定程度的弱化。随着信贷配置市场化的逐步深入，信息获取渠道更为透明和畅通，商业银行逐渐放宽了对非国有借贷企业的条件限制，更加看重企业综合借贷能力。研究同时发现，银行业改革进程中的大量外资进入对我国企业信贷市场也产生了冲击，由于现阶段是外资银行在我国境内发展初期，在其经营信贷行为时同样会偏向于关系型借贷，即对三资企业信贷资源的获取有明显的促进作用，进而影响到我国信贷市场配置格局。
[Abstract]:The financial system of our country is dominated by indirect credit of banks, and the banking industry occupies an important position in the development of modern economy in our country. The credit resources of commercial banks have always been the main source of funds for the production and operation of enterprises. Optimizing the allocation of credit resources is the basic guarantee to promote the sustained and healthy development of China's economy and society. China is now in a critical period of economic transformation, and the scarcity of domestic economic resources is particularly prominent. There are many structural defects in China's existing financial system, imperfect construction inside and outside the banking industry, insufficient lending and excessive lending of credit resources, and non-state-owned enterprises can not enjoy the same treatment of state-owned enterprises in the credit market, and even suffer from credit discrimination, resulting in low efficiency in the use of credit resources. The production and operation of an enterprise is hindered. In this context, the government shouldered the important task of promoting the marketization of credit, and began a new round of banking reform at the end of 2003. Based on the empirical data of enterprises above the scale of Shanghai from 2000 to 2012, this paper studies the influence and change of the ownership nature of enterprises on the allocation of credit resources in China before and after the reform of the banking industry against the background of the changes of the institutional environment in the credit market. After summing up the theoretical factors that affect the allocation of credit, this paper puts forward the research hypothesis through the analysis of the specific measures of banking reform. In the empirical study, the growth rates of short-term loans, long-term loans and total loans are used to measure the differences and changes in the acquisition of credit resources of enterprises with different ownership nature. It is found that the nature of enterprise ownership has a prominent impact on the acquisition of credit resources. Commercial banks prefer relational lending when operating credit behavior, but compared with before the banking reform, the role of this political relationship in the credit market has been weakened to a certain extent. With the gradual deepening of the marketization of credit allocation, the access to information is more transparent and smooth, commercial banks gradually relax the restrictions on non-state-owned lending enterprises, and pay more attention to the comprehensive lending ability of enterprises. At the same time, it is found that a large number of foreign investment in the process of banking reform has also had an impact on the credit market of Chinese enterprises. Because at this stage is the initial stage of the development of foreign banks in China, they will also prefer relational lending in their business credit behavior, that is, it can obviously promote the acquisition of credit resources of foreign-funded enterprises, and then affect the allocation pattern of credit market in China.
【学位授予单位】：重庆大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4;F832.3

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