Empirical Research On The Influence Factors Of Bank Credit To The Nuclear Power Industry Listing Corporation

Nuclear power as a green energy, play an important role in building aresource-saving and environment-friendly society in China. But financing thisproblem plaguing our country’s nuclear power industry, a large number of listedcompanies has become the bottleneck of its rapid and healthy development.Compared to other financing, bank loans are still the preferred method for most listedcompanies in the nuclear power industry. Among the many forms of loans, creditloans without collateral or third party guarantees, which has a higher risk than otherforms of loans is an important part of commercial banks operating risks.Based on the research status of domestic and foreign commercial bank loans tothe credit factors, by conducting in-depth research on credit rationing theory ofrelationship lending theory, agency theory and asymmetric information theory creditdecision theory, combined with our current nuclear power listed status of thecompany’s operations and financing nuclear power industry companies havecommercial bank credit and the impact factors of the amount of research from thetheoretical level. In the empirical research, the paper of the Shanghai and Shenzhen A-share market in credit increments for all listed companies in the nuclear powerindustry as the research object, from profitability, shareholder profitability, cash flow,operating capabilities, capacity development, compensation indicators seven aspectsof debt capacity, other financial indicators, an important non-financial indicators asexplanatory variables, the use of independent samples T-test, regression models,regional analysis methods such as credit loans for credit analysis. The results showthat the number of samples can be obtained long-term loans is less than the number ofsamples of short-term loans, long-term loans that banks for short-term loans than themore cautious; decisions on short-term loans, short-term solvency play a decisive role;while long-term loans, long-term solvency, profitability, operational capability, capacity development banks are the factors to consider; better financial environmentfor local decision-making ability to pay more attention to business operations,solvency and profitability to shareholders, indicating areas financial ecologicalenvironment does affect the decision-making difference in the behavior of the creditofficers. To strengthen the prevention of credit risk, commercial banks shouldstrengthen their financial statements analysis, implementation of credit differentiation,foster new credit culture and increase credit support to non-state-owned holdingenterprises. While the nuclear power industry, listed companies, this paper proposes tocultivate and enhance the core competitiveness of enterprises, accelerate theestablishment of modern enterprise management system, broaden the financingchannels of various financing proposals to improve the status quo. Finally, at the endof this study indicate the selected sample integrity, reliability and limitations ofinadequate indicator data aspects, to provide a reference for future generations tofurther improve.