关键词: 银行信贷, 所有权性质, 企业创新, 国有比例

Abstract: Abstract: Based on the World Bank about Chinese enterprises operating system environment quality survey data in 2012, this paper in order to study the relationship between bank credits, ownership nature and enterprise innovation from the perspective of empirical. The results show that, Bank credit has significant positive influence on enterprise innovation, and the proportion of ownership nature can significantly inhibit the enterprise innovation, with the increase of the proportion of state-owned further, the positive effect of bank credit on enterprise innovation will gradually weakened .The study also found small enterprises and young enterprise innovation are more Sensitivity on bank credit and ownership nature. These results imply deepen the reform of the financial system, guide the state-owned enterprises play a role of enterprise innovation leader will help to promote enterprise innovation. This paper provides a micro foundation for interpretation of causality relationship between financial market development, government intervention and economic transition.

Key words: bank credit, ownership nature, enterprise innovation, state-owned proportion