以国泰安中国非上市公司数据库2004-2009年的工业公司数据作为研究样本,研究竞争、信任对于商业信用的提供所起的作用。实证结果显示,私有企业比国有企业更多提供商业信用,私有企业在竞争性强的行业内提供更多的商业信用。私有企业在信任水平更高的地区提供的商业信用更多。私有企业在竞争性行业提供更多的商业信用,如果一个地区具有较高的信任水平,则这种效应更强。 Taking Guotai An China non-listed companies database 2004-2009 industrial company data as a sample to study the competition, trust for the role of commercial credit. Empirical results show that private enterprises provide more commercial credit than state-owned enterprises, and private-owned enterprises provide more commercial credit in a competitive industry. Private businesses provide more business credit in areas of greater trust. Private firms provide more commercial credit in competitive industries, which is stronger if a region has a higher level of trust.