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    经济经纬 2020 Issue (5) :151-160
    财政金融 最新目录 | 下期目录 | 过刊浏览 | 高级检索 |
    银行业竞争与企业超额商业信用供给
白俊1, 邱善运2, 刘园园3
1.石河子大学 经济与管理学院/公司治理与管理创新研究中心,新疆 石河子 832000;
2.山东大学 经济学院,山东 济南 250100;
3.中山大学 管理学院,广东 广州 510275
    Banking Competition and Excessive Commercial Credit Supply
    BAI Jun1, QIU Shanyun2, LIU Yuanyuan3
1. School of Economics and Management/Research Center of Governance and Management Innovation, Shihezi University, Shihezi 832000, China;
2. School of Economics, Shandong University,Jinan 250100, China;
3. School of Business, SUN YAT-SEN University, Guangzhou 510275,China
摘要
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摘要 以中国银行业异地市场准入管制放松政策为背景,基于2003—2017年A股上市公司数据,实证检验了银行业竞争对企业超额商业信用供给的影响及其作用路径。实证结果表明:银行业竞争对企业超额商业信用具有正向作用。银行业竞争显著缓解了企业融资约束水平,提升了企业供给能力,促进了企业超额商业信用供给。银行业竞争对企业超额商业信用供给的正向作用在中小民营企业及市场地位较低的企业中更为明显。
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白俊
邱善运
刘园园
关键词： 银行业竞争   信贷可得性   超额商业信用   供给能力   供给意愿     
Abstract： Based on the background of the deregulation policy of China’s banking market access in different places,using the data of listed companies from 2003 to 2017, this paper empirically examines the impact of banking competition on the supply of excess commercial credit of enterprises and its action path. The results show that, on the whole, the competition of banking industry has a positive effect on the excess commercial credit of enterprises. The channel test shows that competition in banking industry significantly alleviates the financing constraint level of enterprises, improves the supply capacity of enterprises, and promotes the supply of excess commercial credit for enterprises. Further investigation of the regulatory effect of supply intention shows that the positive effect of banking competition on the supply of excess commercial credit is more obvious in small and medium-sized private enterprises and enterprises with low market position. In addition, from the perspective of external market environment, the fiercer the competition in the industry and the higher the marketization level of the enterprise, the more obvious the positive effect of banking competition on the supply of excess commercial credit. This paper provides more direct empirical evidence for what factors affect the excess commercial credit supply capacity of enterprises, and has important significance for how financial liberalization reform affects the strategic decision-making of micro enterprises.
Keywords： Banking Competition   Credit Availability   Excessive Commercial Credit Supply   Supply Capacity   Supply Will     
收稿日期 2019-10-24; 接受日期 ;
基金资助:国家自然科学基金项目(71762026),石河子大学高端科研平台项目(KYPT201703)
通讯作者 邱善运(1994— ),男,山东滕州人,博士研究生,主要从事公司金融研究。   
作者简介: 白俊(1971— ),女,新疆石河子人,教授,博士生导师,主要从事公司金融研究;刘园园(1995— ),女,安徽毫州人,博士研究生,主要从事公司金融研究。
引用本文:   
白俊, 邱善运, 刘园园.银行业竞争与企业超额商业信用供给[J].  经济经纬, 2020,5: 151-160
BAI Jun, QIU Shanyun, LIU Yuanyuan.Banking Competition and Excessive Commercial Credit Supply[J]  Economic Survey, 2020,V37(5): 151-160
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