銀行業(yè)改革對上海市信貸資源配置的影響
發(fā)布時間：2019-06-25 20:59
【摘要】：我國金融體系以銀行間接信用為主，銀行業(yè)在我國現(xiàn)代經(jīng)濟發(fā)展中占據(jù)著重要位置，商業(yè)銀行的信貸資源一直是企業(yè)生產(chǎn)經(jīng)營主要的資金來源，優(yōu)化信貸資源配置是促進我國經(jīng)濟社會持續(xù)健康發(fā)展的基礎保障。中國現(xiàn)處于經(jīng)濟轉(zhuǎn)型的關鍵期，國內(nèi)經(jīng)濟資源稀缺性尤其突出，我國現(xiàn)有金融體系存在多種結(jié)構(gòu)性缺陷，，銀行業(yè)內(nèi)外建設不完善，信貸資源配置出現(xiàn)借貸不足和借貸過度的現(xiàn)象，非國有企業(yè)在信貸市場不能享受到國有企業(yè)的同等待遇，甚至受到信貸歧視，造成信貸資源利用效率低下，企業(yè)生產(chǎn)經(jīng)營受阻。在此背景下，政府肩負起推動信貸市場化的重任，在2003年末著手了新一輪的銀行業(yè)改革。 本文選用上海市2000-2012年規(guī)模以上企業(yè)的經(jīng)驗數(shù)據(jù)，以信貸市場的制度環(huán)境變遷為背景，研究銀行業(yè)改革前后企業(yè)所有權性質(zhì)對我國信貸資源配置的差異影響和變化。本文在總結(jié)影響信貸配置的理論因素后，通過對銀行業(yè)改革具體舉措的分析，提出了研究假說。在實證研究中，采用了短期貸款、長期貸款和總貸款的增長率來衡量具有不同所有制性質(zhì)的企業(yè)的信貸資源獲取差異及變化。研究發(fā)現(xiàn)企業(yè)所有權性質(zhì)對信貸資源獲取有突出影響，商業(yè)銀行在經(jīng)營信貸行為時，偏好于關系型借貸，但相比銀行業(yè)改革前，改革后這種政治關系在信貸市場的作用得到了一定程度的弱化。隨著信貸配置市場化的逐步深入，信息獲取渠道更為透明和暢通，商業(yè)銀行逐漸放寬了對非國有借貸企業(yè)的條件限制，更加看重企業(yè)綜合借貸能力。研究同時發(fā)現(xiàn)，銀行業(yè)改革進程中的大量外資進入對我國企業(yè)信貸市場也產(chǎn)生了沖擊，由于現(xiàn)階段是外資銀行在我國境內(nèi)發(fā)展初期，在其經(jīng)營信貸行為時同樣會偏向于關系型借貸，即對三資企業(yè)信貸資源的獲取有明顯的促進作用，進而影響到我國信貸市場配置格局。
[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.
【學位授予單位】：重慶大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F832.4;F832.3
[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.
【學位授予單位】：重慶大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F832.4;F832.3
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