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中文摘要：
本文以我国2001—2005年所有上市公司的经验数据为研究对象，实证分析债权人保护在不同所有制和政府干预程度下，企业获得的信用贷款差异。研究结果发现，我国国有上市公司确实获得了较非国有上市公司更多的信用贷款；债权人权利保护得越好，企业能获得更多的信用贷款；但在政府干预严重的地区，伴随债权人权利受到的法律保护改善，即使国有上市公司也较难获得更多的信用贷款；同时，国有上市公司与非国有上市公司在获得银行长期信用贷款方面并没有显著差异。
英文摘要：
Based on the data of China＇s listed companies during 2001 - 2005 periods, this paper empirically analyzes the effect of creditor protection on credit loan under different ownership and government intervention. The results show that China＇s state-owned listed companies do get more credit loan than non-state-owned listed companies and the finns in the regions with better creditors protection can have more credit loan, However, in the regions where has strong government intervention, along with the improving of creditor protection, even stateowned listed companies have difficult to borrow bank loans, and there is no significant difference in borrowing long-term bank loans between state-owned listed companies and non-state-owned listed companies.
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