CAJ | 학술논문

文章以中国 A 股上市银行的经验证据为研究样本，对产能过剩、控股股东性质与银行信贷资源配置行为间关系进行了实证研究。研究结果表明，产能过剩与商业银行信贷配置行为间呈显著负相关性，即在面临产能过剩的宏观背景时，银行信贷资源配置行为更加审慎，并具商业化，表明中国商业银行的资源配置行为是符合市场化原则的。在引入政府控股与产能过剩交叉项后发现，银行信贷资源配置的市场化行为并未发生变化，这意味着中国银行业的产权改革是有效率的。因此，银行应根据行业的实际需要合理控制信贷投放的额度，提高有效信贷投入，保证银行信贷投向与社会融资需求相契合，从而逐步提高银行信贷资源配置的效率。
문장이중국 A 고상시은행적경험증거위연구양본，대산능과잉、공고고동성질여은행신대자원배치행위간관계진행료실증연구。연구결과표명，산능과잉여상업은행신대배치행위간정현저부상관성，즉재면임산능과잉적굉관배경시，은행신대자원배치행위경가심신，병구상업화，표명중국상업은행적자원배치행위시부합시장화원칙적。재인입정부공고여산능과잉교차항후발현，은행신대자원배치적시장화행위병미발생변화，저의미착중국은행업적산권개혁시유효솔적。인차，은행응근거행업적실제수요합리공제신대투방적액도，제고유효신대투입，보증은행신대투향여사회융자수구상계합，종이축보제고은행신대자원배치적효솔。
In this paper,we use the empirical evidence of China’s A-shares listed Banks as the research sample,which find the relationship among the excess capacity、State and the allocation behavior of bank through empirical research.The research results show that there are significant negative correlation between excess capacity and configuration of commercial bank credit,in the face of the macro background of excess capacity,The behavior of bank credit resource allocation more cautious and commercialization,This accords with the principle of market-oriented behavior.The conclusion from government holding and overcapacity cross terms,The market behavior of bank credit resource allocation does not change,this means that the state reform of China’s banking industry is efficient.Therefore,Commercial banks should be based on the actual needs of the industry to reasonably control the supply of credit lines,And increase effective credit investment,Be sure credit corresponds to the social financing demand,so as to gradually improve the efficiency of bank credit resource allocation.