信用资源的区域间流通和公司创新
Xinglin Liu1, Yu Chen2, Yan Xiong3
1School of Economics, Shenzhen Polytechnic University, Shenzhen, China.
PloS one
|August 20, 2024
概括
非本地贷款,即贷款人和借款人位于不同地区的贷款,有助于企业克服当地信贷短缺并促进创新. 这种区域间的信贷流特别有利于较不发达的金融地区.
科学领域:
- 经济学 经济学 经济学
- 金融 金融 金融 金融 金融
- 区域科学 地区科学
背景情况:
- 传统的贷款研究侧重于利率和还款期,忽视了地理距离.
- 贷款的区域细分凸显了中国金融格局中省界的重要性.
- 了解非本地贷款对于分析信贷资源分配和区域发展至关重要.
研究的目的:
- 调查中国A股上市公司的非本地贷款的原因和后果.
- 检查非本地贷款对企业创新的影响.
- 探索非本地贷款在解决信贷资源差异方面的作用.
主要方法:
- 数据收集包括借款公司,上市公司和银行的地址.
- 2007年至2022年中国A股上市公司的分析.
- 区分非地方贷款基于反映省界限的区域细分.
主要成果:
- 非本地贷款主要是针对当地信贷资源的稀缺性,而不仅仅是金融约束.
- 这些区域间的信贷流向补充了公司的可支配资本.
- 非本地贷款显然有助于企业创新,尤其是在经济不发达的地区.
- 没有发现研究和开发操纵的证据;创新产出增加.
结论:
- 非本地贷款是重新分配信贷资源在不同地区的重要机制.
- 这种区域间的信贷流通促进了创新,并支持了均衡的区域经济发展.
- 调查结果为决策者提供了关于优化信贷分配和促进欠发达地区增长的见解.
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