摘要
银行业的对外开放是我国金融业改革的重要环节,不仅会引起银行业的调整,而且更会对实体经济产生深刻的影响。笔者利用2004年~2007年46719家工业企业的面板数据,采用Heckman选择模型,从信贷资源配置的角度入手,对外资银行进入与企业贷款行为的变化关系进行了分析。研究结果表明:外资银行的进入对我国企业融资环境的作用具有明显的结构性特征,对企业的贷款规模有改善作用,但对贷款范围和贷款对象无促进作用,甚至恶化了私营企业、中小规模企业和制造业企业的融资状况。
Banking openness is an important part of the finance reform in our country. In view of its special attribute, banking industry openness will not only cause the adjustment of the banking sector, but also have a profound impact on the real economy. Using panel data of 46719 industrial enterprises during 2004 - 2007 and Heckman selection model from the perspective of credit resource allocation, this paper analyzes the relationship between foreign banks entrance and the corporate lending behavior. The results show that foreign bank entry has obvious structural properties in promoting financing environment as well as boosting corporate loan scales, but has no effect on loan range and borrowers even deteriorating the financing condition of private companies, small and medium - sized enterprises and manufacturing enterprises.
出处
《经济经纬》
CSSCI
北大核心
2017年第2期69-73,共5页
Economic Survey
基金
国家社会科学基金项目(15CJY080)
国家社会科学青年项目(15CJY080)
天津社会科学规划项目(TJYYWT16-014)
天津财经大学研究生资助项目(2015TCS24)
关键词
外资银行
贷款配置
企业特征
Foreign Bank
Loan Allocation
Firm Characters
