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本文从地区腐败的角度探究法律环境与城商行信贷之间的关系,发现同一层面的官员腐败行为对不同性质城商行的影响不同,地市范围腐败程度越高,非国有控股城商行贷款规模越高、中长期贷款比例越高、房地产业贷款比例越高,最终银行风险越高,而对国有控股城商行的影响弱于前者;不同层面的官员腐败对不同性质城商行的影响不同,省范围腐败的影响主要在于省内跨市经营的城商行,对两类城商行贷款期限结构的影响相反,省范围腐败与国有控股城商行短期贷款比例负相关、与中长期贷款比例正相关,而对银行风险的影响并不确定。
This paper explores the relationship between legal environment and commercial credit in urban areas from the perspective of regional corruption. It is found that the same level of officials’ corrupt behavior has different impacts on commercial banks of different nature, the higher the degree of corruption in urban areas, the larger the non-state-controlled urban commercial bank loans The higher the proportion of high-and medium-term loans, the higher the proportion of real estate loans, the ultimate bank risk is higher, while the state-owned holding city commercial banks less than the former; different levels of corruption officials of different nature of different firms, provinces range Corruption is mainly influenced by the city commercial banks operating in cities across the province, which has the opposite effect on the term structure of commercial loans in the two types of cities. The provincial scope of corruption is negatively correlated with the proportion of state-controlled commercial banks in short-term loans and positively correlated with the proportion of medium- and long-term loans. The impact of bank risk is not certain.