摘要
本文基于中国各省(市)法院于2016-2017年间做出的与某大型商业银行贷款相关的887份司法判决书进行实证检验。研究结果表明:(1)担保环节是银行信贷流程中风险主要集中的环节;(2)住房、传统实体行业和存在多个担保人的贷款在流程上更易出现问题;(3)律师、贷款特征和案件审理层级都对诉讼结果有显著影响,聘请律师可有效提升银行胜诉概率。
This paper makes an empirical research based on 887 judicial judgments related to a large commercial bank’s loans and made by China’s provincial(municipal) courts during 2016-2017. The results show that:(1) the guarantee part is the main area of risks in a bank’s credit process;(2) the loans related to housing industry, traditional real economic industry and multiple guarantors are more risky in the credit process;(3) lawyers, loan characteristics and case trial level have a significant impact on the litigation results, and hiring lawyers can effectively improve the probability of winning a lawsuit for a bank.
作者
周元春
李珊珊
石奇
那仁图亚
ZHOU Yuan-chun;LI Shan-shan;SHI Qi;NA Ren-tu-ya(不详)
出处
《金融论坛》
CSSCI
北大核心
2021年第1期37-48,共12页
Finance Forum
基金
国家社会科学基金重大项目“创新引领发展的机制与对策研究”(18ZDA102)
国家社会科学基金项目“产业政策:理念、比较与中国的实践”(18FJY020)。
关键词
信贷诉讼
商业银行
不良贷款
司法判决书
债权人保护
credit litigation
commercial bank
non-performing loan
judicial judgment
creditor protection
