摘要
依据2010—23年A股上市企业数据,考量公共数据开放对企业信贷获取的影响。结果显示:公共数据开放通过缓解逆向选择提升了企业信贷可得性。拓展性分析显示,公共数据开放有效改善了企业信贷期限结构,降低了企业信贷成本;民营企业、制造业企业以及成长期企业的信贷可得性受公共数据开放的影响更显著。鉴于此,应构建公共数据开放长效机制,助力提升金融服务效率。
Based on data from A-share listed enterprises during 2010 to 2023,this study examines the impact of public data openness on corporate credit accessibility from the perspective of bank credit decision-making.The results demonstrate that public data openness enhances corporate credit accessibility by mitigating adverse selection(information asymmetry).Extended analyses reveal that public data openness significantly improves firms’credit maturity structures,reduces credit costs,and exerts a more pronounced effect on credit accessibility for private enterprises,manufacturers,and growth-stage enterprises.Consequently,policymakers should establish an enduring mechanism for public data openness to provide data-driven support for enhancing financial service efficiency.
作者
陈宗楠
马永凡
CHEN Zongnan;MA Yongfan(Postdoctoral Research Workstation,Agricultural Bank of China,Beijing 100005,China;Postdoctoral Mobile Station,University of International Business and Economics,Beijing 100029,China;School of Economics and Trade,Shandong Management University,Jinan,Shandong 250357,China)
出处
《财经理论与实践》
北大核心
2025年第5期138-145,共8页
The Theory and Practice of Finance and Economics
基金
山东省社会科学规划基金项目(24DJJJ17)。
关键词
公共数据开放
信息不对称
信贷配置
利益相关者
public data access
information asymmetry
credit maturity structures
credit costs
作者简介
陈宗楠(1995-),男,贵州毕节人,博士,中国农业银行博士后科研工作站博士后、对外经济贸易大学博士后流动站博士后,研究方向:公司金融与企业信用管理;通信作者:马永凡(1993-),男,山东济南人,博士,山东管理学院经贸学院讲师,研究方向:数字经济与公司治理。
