贵州财经学院学报
貴州財經學院學報
귀주재경학원학보
Journal of Guizhou College of Finance and Economics
2008年
3期
62~66
,共null页
机构撤并 信息不对称 地理距离 地缘信贷配给
機構撤併 信息不對稱 地理距離 地緣信貸配給
궤구철병 신식불대칭 지리거리 지연신대배급
institutional consolidation; asymmetric information; geographical distance; geographical credit rationing
国有银行机构撤并导致的银企距离增大影响城镇及农村地区银行贷款规模，通过建立模型，提出了两个假设。对国有银行乡镇企业的贷款额（衡量贷款区域集中度）和国有银行不良贷款率二者的关系进行检验，发现二者成强正相关，假设得到证明，即：由银行机构撤并导致的银企间地理距离的增大使得信息不对称加重；银行对企业实施地缘信贷配给。
國有銀行機構撤併導緻的銀企距離增大影響城鎮及農村地區銀行貸款規模，通過建立模型，提齣瞭兩箇假設。對國有銀行鄉鎮企業的貸款額（衡量貸款區域集中度）和國有銀行不良貸款率二者的關繫進行檢驗，髮現二者成彊正相關，假設得到證明，即：由銀行機構撤併導緻的銀企間地理距離的增大使得信息不對稱加重；銀行對企業實施地緣信貸配給。
국유은행궤구철병도치적은기거리증대영향성진급농촌지구은행대관규모，통과건립모형，제출료량개가설。대국유은행향진기업적대관액（형량대관구역집중도）화국유은행불량대관솔이자적관계진행검험，발현이자성강정상관，가설득도증명，즉：유은행궤구철병도치적은기간지리거리적증대사득신식불대칭가중；은행대기업실시지연신대배급。
Widened distance between banks and firms, resulting from consolidation of state - owned commercial banks , has affected the scale of urban and rural bank loans. This paper establishes a model, proposes two hypotheses and conducts a test of the relationship between loans to township businesses （ to measure regional concentration） and bad loan rate. A strong positive correlation is revealed and the two hypotheses are verified ： widened distance between banks and firms aggregates asymmetric information and banks are engaged in geographical credit rationing.
