CAJ | 학술논문

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。
신용불시여생구래적，야불능부부고도덕교화，필수고사회신용체계래유호。기업재정신체계건설중적행위유흔다，본문대기업시부련속판리대관잡년심행위진행연구，채용이원선택모형대기업재정신체계건설중적행위여기융자정황관계진행실증분석，최후근거결론제출상관건의。
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.