市场化、企业所有制对获取银行贷款的影响

摘要

Bank loan is important for private enterprises’development.On the basis of listed companies’empirical data,this paper makes a test against the “property discrimination”existing in the process of bank credit,and discusses the influence of marketization.The results indicate that “property discrimination”is mainly reflected in the long-term loan. Private enterprises get more short-term loans to make up for the lack of borrowing.With the development of the market,the phenomenon would be reduced,moreover,the influence on the state-owned enterprises is more obvious than the private enterprises.%能否顺利获得银行贷款对民营企业发展有着重要的意义。本文针对银行授信中存在的“所有制歧视”现象，以2002—2012年上市公司为研究对象，对该现象做出实证检验，并且纳入市场化因素，探讨市场化对企业获得银行借款的影响。实证结果显示“所有制歧视”主要体现在长期借款上，民营企业通过获取更多的短期借款弥补借款不足。同时，随着市场化进程，歧视现象有所减弱。此外，市场化进程对国有企业获取银行贷款的影响大于民营企业。