经济问题
經濟問題
경제문제
On Economic Problems
2012年
5期
126~128
,共null页
国有银行 股份制银行 贷款期限 贷款利率
國有銀行 股份製銀行 貸款期限 貸款利率
국유은행 고빈제은행 대관기한 대관리솔
state -owned banks; joint- stock banks; loan term; interest rate
选择2009年上市公司的银行贷款为研究样本,将其分为仅获得国有商业银行和仅获得股份制商业银行贷款的两组相对立的样本,对其进行独立样本T检验,研究两种性质银行在选择贷款客户、贷款定价上的差异。以期对我国金融政策的完善方面提供有益的借鉴。
選擇2009年上市公司的銀行貸款為研究樣本,將其分為僅穫得國有商業銀行和僅穫得股份製商業銀行貸款的兩組相對立的樣本,對其進行獨立樣本T檢驗,研究兩種性質銀行在選擇貸款客戶、貸款定價上的差異。以期對我國金融政策的完善方麵提供有益的藉鑒。
선택2009년상시공사적은행대관위연구양본,장기분위부획득국유상업은행화부획득고빈제상업은행대관적량조상대립적양본,대기진행독립양본T검험,연구량충성질은행재선택대관객호、대관정개상적차이。이기대아국금융정책적완선방면제공유익적차감。
Based on the data of long - term loans of Chinese listed companies in 2009, there are two opposed samples, namely loan from state - owned banks and loan from joint - stock banks, which are used to its independ- ent samples T test to exam the difference in customers and loan pricing between each kind of banks. It is found that ： （ 1 ） from the aspect of corporate themselves, the joint - stock banks pay more attention to risk control and the corporate solvency ; （2） both state - owned banks and joint - stock banks are not advantage, their average real in- terest rates are less than the benchmark rate ; （3） based on state - owned banks sample, the loan term of state - owned enterprises are longer than private enterprises; （4） based on joint- stock banks sample, the state -owned enterprises have pricing advantage and get the interest below benchmark rate, but on the contrary, the private en- terprises get a higher rate pricing, which more than benchmark.
