贷款市场报价利率(LPR)对企业投资决策的影响探究  

An Exploration of the Impact of Loan Prime Rate(LPR)on Enterprise Investment Decisions

作　　者：张比亚 ZHANG Biya(School of Accounting,Xinjiang University of Finance and Economics,Urumqi,Xinjiang 830000)

机构地区：[1]新疆财经大学会计学院,新疆乌鲁木齐830000

出　　处：《中国商论》2024年第3期105-110,共6页China Journal of Commerce

摘　　要：本文深度剖析了贷款市场报价利率(LPR)的形成背景及其深远意义,详细解释了贷款市场报价利率(LPR)的概念,并分析了其在宏观经济、企业微观层面以及创新领域的深远影响,探讨了贷款市场报价利率(LPR)的变动与企业的投资决策之间的紧密联系。本文运用投资决策理论框架,结合实际案例,采用定量和定性研究方法,从宏观经济、企业微观层面以及LPR调整机制等多个角度,深入挖掘了贷款市场报价利率(LPR)对企业投资决策的潜在影响,并提出了一系列企业应对贷款市场报价利率(LPR)调整变化的策略。本文研究的成果不仅丰富了贷款市场报价利率(LPR)的理论研究体系,还为企业在实际操作中的决策提供了有益的参考和借鉴。This article deeply analyzes the formation background and far-reaching significance of Loan Prime Rate(LPR),explains the concept of Loan Prime Rate(LPR)in detail,and analyzes its far-reaching influence on the macroeconomy,enterprise micro level,and innovation fi eld,and discusses the close relationship between the change of Loan Prime Rate(LPR)and the investment decision of enterprises.Based on the theoretical framework of investment decision-making,combined with actual cases,this article uses quantitative and qualitative research methods to deeply explore the potential impact of Loan Prime Rate(LPR)on enterprise investment decision-making from the perspectives of the macro-economy,enterprise micro-level and LPR adjustment mechanism,and puts forward a series of strategies for enterprises to cope with the adjustment and change of Loan Prime Rate(LPR).The research results of this article not only enrich the theoretical research system of Loan Prime Rate(LPR)but also provide a useful reference for the decisionmaking of enterprises in actual operation.

关 键 词：市场报价利率 贷款基准利率 企业投资决策 LPR的影响 贷款市场 

分 类 号：F832.48[经济管理—金融学]