The Influence Of Corporate Governance On Corporate Bank Loans

In 2008, the us subprime mortgage crisis, the fuse is in the United States subprime loans of commercial Banks, the occurrence of the subprime crisis and far-reaching influence, fully illustrates the national Banks in the aspect of risk identification, evaluation and control process has a serious impact, to under the conditions of financial conditions need to be improved.First of all, this article in view of the corporate governance and bank loan related concepts and theoretical analysis, as the theoretical basis for the development of the entire article; Secondly, analysis on corporate governance in our country and bank loan financing present situation analysis, clear the current development status in order to better understand the relationship between the two; Again, through the above analyses the theory of corporate governance and corporate bank loans, assumptions on the basis of research, make sure that the research content is more close to the bank loan financing situation; Finally, clear an empirical analysis of the corporate governance effects on bank loans, building the corresponding model, regression test and robustness test, from 2010 to 2013 between the new loan data of listed companies, and analyzed the structure of regression.Study, is clear about the corporate governance factors affecting enterprise bank loan financing, for the enterprise has certain promoting the significance of the bank loan financing. Both can make enterprises in loans in the process of the increase of the amount of financing, also found a way to reduce the loan for the development of enterprise the cost of financing channels, fully improve the present situation of corporate governance, reducing the risk of a business.