银行业空间演化与企业信贷

姚晓明, 朱晟君

The Spatial Evolution of Banking Industry and Firm Credit

Xiaoming Yao, Shengjun Zhu

表1 回归结果

Table 1 Regression results

企业是否获得银行贷款（Probit模型） 企业利息支出占比（Tobit模型） 模型（1） 模型（2） 模型（3） 模型（4） 模型（5） 模型（6） OD 0.00119*** 0.00127*** 0.00131*** 0.00004*** 0.00004*** 0.00004*** FD -0.0200*** -0.0161*** -0.000508* -0.000263 HHI -0.823*** -0.0896*** LOC 2.372*** 0.156*** size 0.142*** 0.143*** 0.144*** 0.00621*** 0.00633*** 0.00632*** age 0.00280*** 0.00276*** 0.00265*** 0.00021*** 0.00021*** 0.00020*** SOE 0.261*** 0.258*** 0.254*** 0.0197*** 0.0194*** 0.0189*** CPOE 0.563*** 0.560*** 0.552*** 0.0241*** 0.0238*** 0.0232*** FE 0.0182 0.0128 0.00263 -0.000843 -0.00140 -0.00207 exp 0.0936*** 0.0926*** 0.0918*** 0.00463*** 0.00447*** 0.00455*** ind 0.0410*** 0.0400*** 0.0409*** 0.00642*** 0.00628*** 0.00644*** region Included Included Included Included Included Included industry Included Included Included Included Included Included 常数 -0.253*** -0.0256 -0.464*** -0.0571*** -0.0313*** -0.0659*** N 268821 268821 268821 268821 268821 268821 log L -132553.5 -132542.8 -132488.6 136127.1 136150.9 136177.6 LR chi2 21465.7 21487.3 21595.5 5120.8 5168.3 5221.7