Relationship Of Firm Size, Form Of Ownership And Repayment Behavior

Whether credit clients of commercial banks repay the loan on time or not, is the critical part in credit operation, for which decides the quality of the loan using and the grade of credit risk, The paper took the company clients as the research objects and used the dynamic game model to describe the process of credit operation between company and commercial bank, then got the equilibrium state. Besides that the paper analyzed what factors could work on and how they work on company making decisions, loan herding or loan default.The data used for demonstration test in this paper came from the civil lawsuits on loan default of listed companies. After taking regression method to test the data, we got the conclusions as follows: Firstly, the relationship among the scale, the ownership of company and banking loan default behavior is indistinctively. Secondly, the connection degree between the loan company and the lending bank which token by ownership of the two parties is distinct. The results demonstrate that it is unscientific for the commercial banks of China, especial stat-owned commercial banks show the obvious orientation to the scale and the ownership of company when choosing loan objects, and that results to the high default rate of loans.Finally, based on the conclusions of theoretic models analysis and demonstration test, the paper proposed some suggestion aiming at solving the problems existing in the management of loan operation, the control of credit risk and decrease default rate of loans, including adjusting and perfecting the interior management system and developing correlative exterior environment.