企业信用行为与其融资关系研究——基于二元选择模型的实证分析  

The Research on the Relationship between the Behavior of the Enterprise in the Credit Registry System Construction and its Financing Situation——the Empirical Analysis Based on Binary Choice Model

作　　者：刘晓兰[1,2] 许艳杰[1,2] 叶磊[1,2] 

机构地区：[1]中国人民银行长春中心支行,吉林长春130000 [2]中国人民银行延边州中心支行,吉林延边133000

出　　处：《吉林金融研究》2012年第5期26-29,37,共5页Journal of Jilin Financial Research

摘　　要：信用不是与生俱来的,也不能仅仅靠道德教化,必须靠社会信用体系来维护。企业在征信体系建设中的行为有很多,本文对企业是否连续办理贷款卡年审行为进行研究,采用二元选择模型对企业在征信体系建设中的行为与其融资情况关系进行实证分析,最后根据结论提出相关建议。Credit is not innate, and it can＇t just rely on the moral education, it must rely on social credit system to maintain. There are a lot of enterprise behaviors in credit registry system construction, this paper does the research based on the behavior that whether the enterprise apply for annual check of loan card successively, and do the empirical analysis about the relationship between the behavior of the enterprise in the credit registry system construction and its financing situation based on binary choice model, finally it puts forward suggestions based on the conclusions.

关 键 词：企业 征信体系 融资 

分 类 号：F272[经济管理—企业管理] F832.4[经济管理—国民经济]