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  本文選題：銀行競爭　切入點：區(qū)域信貸差異　出處：《安徽工業(yè)大學(xué)》2012年碩士論文　論文類型：學(xué)位論文

【摘要】：改革開放以后，由于受到政治、經(jīng)濟等重大因素的影響，使得我國金融發(fā)展的差異性逐漸顯現(xiàn)。尤其是我國的經(jīng)濟體制由原先的計劃經(jīng)濟向市場化經(jīng)濟轉(zhuǎn)型，整個國民經(jīng)濟運行機制、資源配置方式以及經(jīng)濟發(fā)展戰(zhàn)略都發(fā)生了重大變化，各地區(qū)市場化的進程差異化也逐漸加大。我國東部經(jīng)濟發(fā)達地區(qū)憑借其較快的市場化進程以及良好的金融環(huán)境，客觀上對金融資源產(chǎn)生了巨大的需求。相反的，中西部地區(qū)經(jīng)濟發(fā)展水平較低、市場化程度較弱，金融資源只能形成較低利用率。由于金融資產(chǎn)均具有很強的流動性，，資金的趨利性使得資金從經(jīng)濟欠發(fā)達的中西部地區(qū)逐漸流向經(jīng)濟發(fā)達的東部地區(qū)，并呈現(xiàn)出差距擴大的趨勢。 隨著我國銀行業(yè)的不斷開放，必將加速我國境內(nèi)的所有商業(yè)銀行之間的競爭，這種競爭并不僅僅表現(xiàn)在中外資銀行之間的競爭，而且中資銀行間也將產(chǎn)生激烈的競爭。銀行業(yè)間的競爭方式也將從簡單的搶客戶轉(zhuǎn)向產(chǎn)品競爭和價格競爭。隨著利率市場化，銀行間的價格戰(zhàn)也將更加明朗化；國外銀行的先進管理水平和先進產(chǎn)品將提升其競爭的層次。那么企業(yè)能否從銀行競爭中獲利，經(jīng)濟落后地區(qū)企業(yè)的信貸可得性能否得到提高，將是我們關(guān)注的重點。 國有商業(yè)銀行的壟斷地位和區(qū)域金融發(fā)展的不均衡，使我國不同地區(qū)之間企業(yè)在信貸融資方面出現(xiàn)差異，這種差異既表現(xiàn)在企業(yè)信貸融資占總資本比例方面，也表現(xiàn)在銀行借款利率方面。銀行業(yè)競爭能在一定程度上改善商業(yè)銀行信貸行為，但競爭程度提高能否改進區(qū)域信貸融資差異一直缺乏有說服力的研究。本文利用2002-2009年度我國A、B股上市公司有關(guān)數(shù)據(jù)，利用實證研究方法分析銀行業(yè)競爭對區(qū)域信貸融資差異的影響，結(jié)果表明，東部地區(qū)企業(yè)信貸融資比例顯著高于中西部地區(qū)，銀行借款的利率也高于中西部地區(qū)；隨著我國銀行業(yè)改革的逐漸深入，銀行業(yè)競爭程度的提高，東部地區(qū)和中西部地區(qū)在信貸融資比例和利率方面的差異逐步縮小。本文的政策建議是我國金融部門應(yīng)放松銀行業(yè)進入限制，適時推進利率市場化改革，提高銀行業(yè)競爭力度，實現(xiàn)區(qū)域企業(yè)信貸融資的均衡。
[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.
【學(xué)位授予單位】：安徽工業(yè)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2012
【分類號】：F832.4;F224

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