国有商业银行企业贷款违约因果关系研究与分析

The Research and Analysis of Causality of Enterprise Loan Contract-break in State-owned Commercial Banks

在进行国有商业银行企业贷款违约成因分析时,采用线性结构方程进行实证研究,扩展以往研究者对国有商业银行企业贷款违约成因的认识,使人们能够进一步明确地了解企业贷款违约成因层次与种类,以及如何进一步从企业因素、银行因素与环境因素等多种成因维度深入研究各类成因的关系与性质,从而有效地利用各类成因之间的关系找出防范企业贷款违约的有效方法。

As analyzing the reason of enterprise loan contract-break in State-owned Commercial Banks, we have made some demonstration analysis using linear structure equation, extended what anterior researehers have done before to make sure people ean understand the administrative levels and categories of the enterprise loan eontraet-break eauses of formation more clearly. Also we have done some researehes of the relationships and eharaeters between these eauses from an aspeet of enterprise faetor, bank faetor, and environment faetor ete., for using these relationships to find some effective methods on how to proteet contraet-break of the enterprise loans.