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产业资本与金融资本结合对支持产业发展以及产业结构调整和优化起着重要作用。本文研究了近年来企业在城市商业银行的参股和融资情况、银行系统内外部因素对产融结合进程的影响。研究发现,不同地区经济发展速度、金融环境、银行贷款政策、资产收益率等因素对产融结合程度有显著性影响;企业参股银行主要是为了获得低利息贷款、分享银行业高收益。
The combination of industrial capital and financial capital plays an important role in supporting industrial development as well as industrial restructuring and optimization. This paper studies the shareholding and financing of enterprises in urban commercial banks in recent years and the influence of internal and external factors in the banking system on the process of industrial-financial integration. The study finds that the economic development speed, financial environment, bank loan policy and return rate of assets in different regions have a significant impact on the combination of industry and finance. Enterprises’ share-holding banks mainly aim to obtain low-interest loans and share high-yield banking.