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中文摘要：
以2001～2010年A股上市公司为研究对象，从微观角度研究了信贷歧视对企业盈利能力的影响，并结合我国银行业股份制改革的制度变迁，动态地检验了上述问题。结果发现，银行股份制改革前，信贷歧视使得国有企业的盈利能力与非国有企业逐渐拉近；改革降低了信贷歧视，使得两类企业的盈利能力又渐渐拉开。信贷歧视的降低主要表现为，改革后国企与非国企借款成本和债务期限的差异明显减小，表明股份制改革降低了银行对非国企的歧视程度，对经济发展产生了积极作用。
英文摘要：
Our initial sample consists of all firms, which listed on the Shanghai and Shenzhen Stock Exchanges from 2001 to 2010. We focus on two questions： how does bank discrimination influence the enterprises＇ profitability？ And does shares system reform of the bank （the reform） decrease the discrimination and make difference on the enterprises＇ profitability？ Empirical results show that, the difference between SOEs＇ （state-owned enterprises） and the NSOEs＇ （non-state-owned enterprises） profitability gradually become smaller, but after the reform the difference increased. We find that the difference between two types of the firms＇ loan cost and maturity is getting smaller after the reform, which caused the phenomenon. We conclude that the reform decreases the bank discrimination and has positive effect on economy.
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