| 信贷诉讼中商业银行的债权保护——基于887份司法判决书的实证研究 |
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| 引用本文： | 周元春,李珊珊,石奇,那仁图亚.信贷诉讼中商业银行的债权保护——基于887份司法判决书的实证研究[J].金融论坛,2021,26(1):37-48. |
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| 作者姓名： | 周元春 李珊珊 石奇 那仁图亚 |
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| 作者单位： | 南京财经大学经济学院 南京,210023;南京财经大学经济学院 南京,210023;南京财经大学 南京,210023;和浩特民族学院经济管理学院 |
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| 基金项目： | 国家社会科学基金项目"产业政策:理念、比较与中国的实践";国家社会科学基金重大项目"创新引领发展的机制与对策研究" |
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| 摘 要： | 本文基于中国各省(市)法院于2016-2017年间做出的与某大型商业银行贷款相关的887份司法判决书进行实证检验。研究结果表明:(1)担保环节是银行信贷流程中风险主要集中的环节;(2)住房、传统实体行业和存在多个担保人的贷款在流程上更易出现问题;(3)律师、贷款特征和案件审理层级都对诉讼结果有显著影响,聘请律师可有效提升银行胜诉概率。
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| 关 键 词： | 信贷诉讼 商业银行 不良贷款 司法判决书 债权人保护 |
Protection of Commercial Banks'Creditor Rights in Credit Litigation——An Empirical Study Based on 887 Judicial Judgments |
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| ZHOU Yuan-chun,LI Shan-shan,SHI Qi,NA Ren-tu-ya.Protection of Commercial Banks'Creditor Rights in Credit Litigation——An Empirical Study Based on 887 Judicial Judgments[J].Finance Forum,2021,26(1):37-48. |
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| Authors: | ZHOU Yuan-chun LI Shan-shan SHI Qi NA Ren-tu-ya |
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| Abstract: | This paper makes an empirical research based on 887 judicial judgments related to a large commercial bank’s loans and made by China’s provincial(municipal) courts during 2016-2017. The results show that:(1) the guarantee part is the main area of risks in a bank’s credit process;(2) the loans related to housing industry, traditional real economic industry and multiple guarantors are more risky in the credit process;(3) lawyers, loan characteristics and case trial level have a significant impact on the litigation results, and hiring lawyers can effectively improve the probability of winning a lawsuit for a bank. |
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| Keywords: | credit litigation commercial bank non-performing loan judicial judgment creditor protection |
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