本文關(guān)鍵詞： 金融發(fā)展因素 銀行信貸融資 產(chǎn)權(quán)性質(zhì)　出處：《湖南農(nóng)業(yè)大學(xué)》2012年碩士論文　論文類型：學(xué)位論文

【摘要】：改革開放以來,我國金融體系進(jìn)行了一系列的變革,在這一過程中,我國信貸資金投放總量快速增長,但由于我國各地區(qū)間地理位置、資源稟賦的不同導(dǎo)致各地區(qū)間金融發(fā)展水平存在著較大差異,因此企業(yè)所處的外部融資環(huán)境也隨之發(fā)生了較大的變化�；谶@一背景,本文考察了金融發(fā)展因素對我國上市公司銀行信貸融資決策的影響；并將所選樣本公司按產(chǎn)權(quán)性質(zhì)的不同分為國有上市公司和非國有上市公司,進(jìn)一步分析了不同產(chǎn)權(quán)性質(zhì)下,金融發(fā)展因素對我國上市公司銀行信貸融資決策的影響。 本文研究結(jié)果表明：(1)金融發(fā)展水平越高,上市公司的銀行貸款規(guī)模越小,貸款期限越短；(2)隨著金融發(fā)展水平的提高,非國有上市公司較國有上市公司的貸款規(guī)模和貸款期限與金融發(fā)展水平之間的負(fù)相關(guān)關(guān)系會(huì)有更大程度地減弱；(3)隨著金融發(fā)展水平逐年的提高,上市公司銀行信貸規(guī)模與金融發(fā)展水平的負(fù)相關(guān)關(guān)系減弱；(4)金融發(fā)展有利于規(guī)模較小的公司獲得銀行貸款和長期借款；(5)金融發(fā)展有利于擁有較少抵押資產(chǎn)的公司獲得銀行貸款；(6)金融發(fā)展有利于成長性較低的公司獲得長期借款；(7)金融發(fā)展有利于盈利能力較低的上市公司獲得短期借款。這些研究結(jié)論從公司外部宏觀金融環(huán)境的角度為金融發(fā)展對我國企業(yè)銀行信貸融資決策的影響提供了經(jīng)驗(yàn)證據(jù),并為地方政府建設(shè)和發(fā)展當(dāng)?shù)亟鹑谑袌鎏峁┙梃b。
[Abstract]:Since the reform and opening up, China's financial system has undergone a series of changes. In this process, the total amount of credit funds in our country has increased rapidly, but due to the geographical location of various regions in our country, The difference of resource endowment leads to great differences in the level of financial development among different regions, so the external financing environment in which the enterprise is located has also undergone great changes. This paper investigates the influence of the financial development factors on the credit financing decision of the listed companies in China, and divides the selected sample companies into state-owned listed companies and non-state-owned listed companies according to the nature of property rights, and further analyzes the different properties of the listed companies. The influence of Financial Development factors on Bank Credit financing decision of listed companies in China. The result of this paper shows that the higher the level of financial development, the smaller the scale of bank loans of listed companies, the shorter the term of loans.) with the improvement of financial development level, Compared with the state-owned listed companies, the negative correlation between the loan size and the loan duration and the financial development level of the non-state-owned listed companies will weaken to a greater extent) with the increase of the financial development level year by year, Negative correlation between Bank Credit size and Financial Development level of listed companies (4) Financial development is good for smaller companies to obtain bank loans and long-term loans. Financial development is good for companies with less mortgage assets. Financial development is good for companies with low growth rate to obtain long-term loans.) financial development is good for listed companies with low profitability to obtain short-term loans. These conclusions are derived from the external macro-financial environment of the company. It provides empirical evidence for the influence of the financial development on the credit financing decision of the enterprise banks in China. And for local governments to build and develop local financial markets to provide reference.
【學(xué)位授予單位】：湖南農(nóng)業(yè)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2012
【分類號】：F275;F832.4

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