公共数据开放对企业信贷获取的影响研究

陈宗楠1; 2; 马永凡3

公共数据开放对企业信贷获取的影响研究

引用本文：陈宗楠1，2,马永凡3.公共数据开放对企业信贷获取的影响研究[J].财经理论与实践,2025,(5):138-145

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作者	单位
陈宗楠1，2,马永凡3	（1.中国农业银行博士后科研工作站，北京 100005；2．对外经济贸易大学博士后流动站，北京 100029；3.山东管理学院经贸学院，山东济南 250357）

中文摘要: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。

中文关键词:公共数据开放信息不对称信贷配置利益相关者

Public Data Access and Corporate Credit Availability

Abstract: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.

keywords:public data access information asymmetry credit maturity structures credit costs

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