银企关系与银行贷款定价的实证研究  

An Empirical Study on Firm-bank Relationship and Bank Loan Pricing

作　　者：何韧[1] 

机构地区：[1]上海财经大学金融学院,上海200433

出　　处：《财经论丛》2010年第1期57-63,共7页Collected Essays on Finance and Economics

基　　金：上海财经大学211项目三期资金资助项目

摘　　要：本文利用世界银行的企业调查数据,对我国银企关系与银行贷款定价的相关性进行了实证研究。研究表明,企业与较多的银行建立关系以及增加银企关系深度,都有助于降低贷款利率成本;但企业与银行建立关系的时间长度对银行贷款定价没有显著影响。同时我们还发现,企业资产规模、财务风险和公司治理特征等因素对贷款定价也有显著影响。本文为银行关系理论在我国的应用提供了经验证据,揭示了银企关系的应用价值。Based on the survey data obtained from World Bank, the paper makes an empirical study on from-bank relationship and loan price in China. It finds that the scope and depth factors of firm-bank relationship are negatively related to loan rate spread, while the length factor has no significant effect on loan pricing. It also finds that the firm asset, financial risk and corporate governance are significantly related to loan pricing. It submits an empirical evidence on firm-bank relationship theory and shows application value of firm-bank relationship in China.

关 键 词：银企关系 贷款价差 商业银行 

分 类 号：F832.4[经济管理—金融学]