国有商业银行机构撤并、信息不对称、地理距离与地缘信贷配给

国有银行机构撤并导致的银企距离增大影响城镇及农村地区银行贷款规模,通过建立模型,提出了两个假设.对国有银行乡镇企业的贷款额(衡量贷款区域集中度)和国有银行不良贷款率二者的关系进行检验,发现二者成强正相关,假设得到证明,即:由银行机构撤并导致的银企间地理距离的增大使得信息不对称加重;银行对企业实施地缘信贷配给.

Consolidation of State-owned Commercial Banks,Asymmetric Information,Geographical Distance and Geographical Credit Rationing

Widened distance between banks and firms,resulting from consolidation of stateowned commercial banks,has affected the scale of urban and rural bank loans.This paper establishes a model,proposes two hypotheses and conducts a test of the relationship between loans to township businesses(to measure regional concentration) and bad loan rate.A strong positive correlation is revealed and the two hypotheses are verified: widened distance between banks and firms aggregates asymmetric information and banks are engag...