基于资本利用率的商业银行公司信贷分析-产业经济学专业论文.docxVIP

基于 基于资本利用率的商业银行公司信贷分析 兰州 兰州交通大学硕士学位论文 万方数据 万方数据 万方数据 万方数据 Abstract Since reform and opening , with the rapid economic and social development , the bank has played an increasingly important role in economic development , the bank not only promote coordinated economic development , but also to maintain the stable operation of the financial system. Chinas commercial banks are currently facing many problems , changing economic environment , non-performing loans increased year by year . In transition in China , economic growth more significantly associated with the development banks , commercial bank credit as one of the companies important financing channels, whether valid , reasonable distribution of payment for the survival of the enterprise operations have a very important role . However, faced with limited credit funds , complex and volatile economic environment , the risk of all types of enterprises ranging in size , there is the inevitable commercial bank financial issues of discrimination . Bank of China s credit funds directly or indirectly affect the allocation efficiency of social and economic development . Currently on our bank credit market, many companies have difficulty obtaining credit support , commercial bank credit has concentrated more serious credit problems . The most obvious difference is the credit of state-owned enterprises and private enterprises. Private companies generally higher business risk management system is not perfect , low transparency , high cost of commercial bank lending after regulators on them . State-owned enterprises with strong financial scale , anti-risk ability, high business reputation by supporting policies and funding . For consideration of the risks of commercial banks , state-owned enterprises will generally choose a credit objects. Commercial bank credit funds for capital investment in production factor labor , capital utilization has become a non-negligible inspection object . Credit funds for capital investment in pr