商业信用对银行信贷影响的实证研究

被引：27

作者：

陈继勇

刘骐豪

机构：

[1] 武汉大学经济与管理学院

来源：

财贸研究 | 2015年 / 26卷 / 04期

关键词：

商业信用; 银行信贷; Heckman选择模型; 条件分位数回归模型;

D O I：

暂无

中图分类号：

F832.4 [信贷];

学科分类号：

020219 [财政学（含：税收学）];

摘要：

借助40多万家中国企业数据,构建相对强度指标,采用Heckman选择模型和条件分位数回归模型,对全体样本和分所有制子样本进行系统研究。Heckman选择模型回归结果显示,商业信用促进银行信贷,并且这一促进作用具有显著的所有制差异;分位数回归结果支持以上结论,并发现促进作用随着银行信贷分位数的提高而增强。这表明商业信用对银行信贷的促进作用在国有企业及其他银行信贷融资能力强的企业中更为突出,反映商业信用对银行信贷促进作用在企业融资上的"马太效应"。因此,应该兼顾商业信用发展和银行信贷体系改革。

引用

页码：88 / 95

页数：8

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