The Research Of Financial Ecology,Banking Association And The Excessive Debt Behavior Of Private Listed Companies

At present under the new economic situation in China,is particularly important for the development of enterprises,and now the excess debt behavior has become a major concern of social economy.Excessive debt is a financial state enterprise debt over the size of the enterprise’s own debt affordability.In order to calculate the international measure,the rate of corporate assets and liabilities to normal level should be 40%-60%,but most of our enterprise debt rate reached more than 70%,have reached more than 80%,much higher than the normal rate of assets and liabilities,which is enough to be paid attention.This paper adopts the research methods of literature review and empirical combination.Firstly explained from the theory of Banking Association and the financial ecology.Explores the excessive debt situation of China’s 2010-2014 listed private companies.The excessive debt behavior status of empirical analysis in order to verify the hypothesis 1,for 2010-2014 years Private Listed Companies Association of banks and enterprises excessive debt situation empirical analysis;model 2 joined 2010-2014 years of private listed enterprises registered in the financial ecological index,explore the financial ecological environment of Banking Association,the empirical analysis of the research questions,and then through the empirical results on the financial ecological environment is to distinguish the situation the comparison and evaluation.Finally,summarize the main conclusions of this paper,provide some reasonable suggestions,and points out the Bureau Limited.The main conclusions are as follows:(1)increase related phenomenon in the bank,resulting in long-term corporate loans increased the amount of corporate debt,increasing the average debt,the company’s actual debt ratio is far higher than the rate of the industry,to promote the excessive debt behavior.(2)in the financial ecological environment in poor areas,the bank association this way,effects of excessive debt on the behavior of enterprises compared to good financial ecological area is weak.At the same time,this paper proposes the following recommendations:(1)To improve the financial ecological environment,to better play the governance effect of infrastructure,and improve the governance effect of debt financing.(2)Improve the internal management system of enterprises to adapt to the external The management improvement and progress,strengthen debt management capacity,to maintain the momentum of development.(3)Formulate the corresponding repayment plan,and the bank to establish a normal relationship between debt and debt,reduce the asset liability ratio.