国有商业银行与股份制商业银行的长期贷款特征差异研究——基于我国上市公司长期借款数据  

Characteristics of Long-term Loan Between State-owned Banks and Joint-stock Banks——Based on the Data of Long-term Loans of Chinese Listed Companies

作　　者：龚柳元[1] 毛道维[1] 

机构地区：[1]四川大学工商管理学院,成都610064

出　　处：《经济问题》2012年第5期126-128,F0003,共4页On Economic Problems

基　　金：国家自然科学基金项目(70672014);国家社科基金重点项目(09AZD046)

摘　　要：选择2009年上市公司的银行贷款为研究样本,将其分为仅获得国有商业银行和仅获得股份制商业银行贷款的两组相对立的样本,对其进行独立样本T检验,研究两种性质银行在选择贷款客户、贷款定价上的差异。以期对我国金融政策的完善方面提供有益的借鉴。Based on the data of long - term loans of Chinese listed companies in 2009, there are two opposed samples, namely loan from state - owned banks and loan from joint - stock banks, which are used to its independ- ent samples T test to exam the difference in customers and loan pricing between each kind of banks. It is found that ： （ 1 ） from the aspect of corporate themselves, the joint - stock banks pay more attention to risk control and the corporate solvency ; （2） both state - owned banks and joint - stock banks are not advantage, their average real in- terest rates are less than the benchmark rate ; （3） based on state - owned banks sample, the loan term of state - owned enterprises are longer than private enterprises; （4） based on joint- stock banks sample, the state -owned enterprises have pricing advantage and get the interest below benchmark rate, but on the contrary, the private en- terprises get a higher rate pricing, which more than benchmark.

关 键 词：国有银行 股份制银行 贷款期限 贷款利率 

分 类 号：F830.91[经济管理—金融学]