股东性质对信贷利率差异的影响分析设计论文.docVIP

安徽工业大学管理学院 股东性质对信贷利率差异的影响分析 股东性质对信贷利率差异的影响分析 财务管理专业胡心雨（0 指导教师王明虎教授 ┊ ┊ ┊ ┊ ┊ ┊ ┊ ┊ ┊ ┊ ┊ ┊ ┊ 装 ┊ ┊ ┊ ┊ ┊ 订 ┊ ┊ ┊ ┊ ┊ 摘要 非国有企业是我国现代市场经济与国家经济发展中不可或缺的组成部分。一方 面，随着我国非公有制经济的蓬勃发展，它们日益成为推动外贸、就业和财政收入增 长的主要动力；另一方面，在间接融资领域中，非公有制经济却往往难以获取银行系 统的信贷支持。 本文以 A股上市公司 2011 年的数据为样本，分析股东性质是否对信贷利率差异 有影响。数据分析结果表明，国有企业比非国有企业能够取得更低的信贷利率，其差 异约为 2.5%。当代民营企业对社会经济的贡献不断加大，但信贷歧视的存在却抑制 了民营企业的发展。针对这一问题，本文根据研究结果，提出相应的建议，促使非国 有企业获得公平的信贷政策，促进多元化经济体的发展，促进国民经济的健康、稳定、 持续发展。 关键词：股东性质；信贷歧视；信贷利率；因素分析 线 ┊ ┊ ┊ ┊ ┊ ┊ ┊ ┊ ┊ ┊ ┊ ┊ ┊ 1 共 18页 第 1页 安徽工业大学管理学院 股东性质对信贷利率差异的影响分析 ┊ ┊ ┊ ┊ ┊ ┊ ┊ ┊ ┊ ┊ ┊ ┊ ┊ 装 ┊ ┊ ┊ ┊ ┊ 订 ┊ ┊ ┊ ┊ ┊ Abstract The non state-owned enterprises are an indispensable part of our modern market economy and the development of the national economy. On the one hand, with the development of the non-public sectors of the economy of our country, it is becoming a major force in promoting foreign trade, employment and revenue growth; on the other hand, in the field of indirect financing, the non-public sectors of the economy are often difficult to obtain bank credit support. Based on the data of the A shares of listing Corporation in 2011 as the sample, analysis whether the nature of the shareholders have influence on the credit interest rate. The results of data analysis indicate that, the state-owned enterprises can achieve lower credit interest rates than state-owned enterprises; the difference is about 2.5%. Modern private enterprises’ contribution to the social is increasing, but the credit discrimination has inhibited the development of private enterprises. To solve this problem, in this paper, according to the research results, I proposed the corresponding suggestion: promote non-state-owned enterprises access to fair credit policy, promote the development of diversified economy, and promote the healthy, stable, sustainable development of the national economy. 线 ┊ ┊ ┊ ┊