征信系统、法律权利保护与银行信贷

doi:10.12094/1002-7246(2017)02-0117-14

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摘要本文基于全球102个国家2004-2012年的面板数据,采用系统GMM方法研究了征信系统和法律权利保护对银行信贷规模和信贷风险的影响。结果表明:从整体来看,征信系统在促进银行信贷规模增长的同时,促使银行承担更多风险,但征信深度与征信广度相比,在扩大信贷规模并降低信贷风险方面都有更好的表现,公共征信和私营征信两类征信系统并存的混合征信系统是更为合理的现实选择。法律权利保护在扩大信贷规模的同时又降低了信贷风险,其与征信系统的共存对信贷市场有积极影响。

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	龙海明
	王志鹏

关键词: 征信系统法律权利保护银行信贷

Abstract: This paper empirically analyzes the impact of the credit system and legal right protection on bank credit scale and credit risks based on the panel data across 102 countries from 2004 to 2012. The results show that the credit system and legal right protection can promote credit scale, which also have remarkable inhibiting effect on the credit risk. Comparing against credit reporting breadth, credit reporting depth can do better in the field of expanding credit scale and reducing credit risk. The mixed credit system of PCR and CB is a more reasonable and realistic choice. Legal protection expands the scale of credit while reducing the risk of credit,the coexistence with the credit system has a positive impact on the credit market.

Key words: Credit Reporting System Legal Right Protection Bank Credit

JEL分类号:

G29

G14

K20

基金资助: 湖南省社科基金重点项目(13ZDB35)

作者简介: 龙海明,金融学博士,教授,湖南大学金融与统计学院,Email:lhm8684859@126.com.王志鹏,通讯作者,金融学博士生,湖南大学金融与统计学院,Email:wzp880128@163.com.

引用本文:

龙海明, 王志鹏. 征信系统、法律权利保护与银行信贷[J]. 金融研究, 2017, 440(2): 117-130.
LONG Haiming, WANG Zhipeng. Credit Reporting System,Legal Right Protection and Bank Credit. Journal of Financial Research, 2017, 440(2): 117-130.

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http://www.jryj.org.cn/CN/10.12094/1002-7246(2017)02-0117-14 或 http://www.jryj.org.cn/CN/Y2017/V440/I2/117

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