CAJ | 학술논문

通过使用2002-2007年商业银行贷款省际面板数据进行实证研究发现，固有经济比重与银行贷款增长之间呈显著正相关关系。国有经济比重对信贷资金配置的影响在不同商业银行之间存在差异，相对于股份制商业银行，国有商业银行贷款安排中的国有经济比重对信贷资金配置的影响更为显著。这表明。中国近年来“所有制信贷歧视”现象仍然存在，这不仅制约了中小民营企业的发展，也影响了整个市场经济发展的进程。解决这一问题的对策在于加快金融体系的市场化改革，大力发展中小金融机构。
통과사용2002-2007년상업은행대관성제면판수거진행실증연구발현，고유경제비중여은행대관증장지간정현저정상관관계。국유경제비중대신대자금배치적영향재불동상업은행지간존재차이，상대우고빈제상업은행，국유상업은행대관안배중적국유경제비중대신대자금배치적영향경위현저。저표명。중국근년래“소유제신대기시”현상잉연존재，저불부제약료중소민영기업적발전，야영향료정개시장경제발전적진정。해결저일문제적대책재우가쾌금융체계적시장화개혁，대력발전중소금융궤구。
Using provincial panel data for Chinese commercial banks from the period of 2002-2007, this paper studies the impact of the proportion of state--owned economy on credit funds allocation. We find that lending growth of commercial banks is positively related to the proportion of state-owned economy, implying credit discrimination on private economy. And this positive impact is more significant in stateowned commercial banks. This shows that there still is the ＂ownership discrimination＂ in recent years in China, which not only restricts the development of the small and medium-sized private enterprises, also affect the development of the whole market economy. To solve this problem, we should accelerate financial system reform and develop actively small and medium-sized financial institutions.