中文摘要：

虽然关于商业信用的研究已取得了较为丰富的成果，但是这些成果主要是从企业内部特征来分析的，很少考虑我国特有的国情。笔者以沪深两市2007年～2009年间的上市公司为研究对象，从政府干预和管理者过度自信两个方面对企业提供商业信用的影响进行了探讨。研究发现：政府干预的程度与企业提供的商业信用负相关；管理者过度自信与企业提供的商业信用正相关。进一步分析表明，当存在管理者过度自信的企业是国有企业时，提供的商业信用比民营企业的更少。

英文摘要：

This paper studies the influences of government intervention and managerial overconfidence on trade credit with the data of China＇ s listed companies from 2007 - 2009. It is found that there is a negative correlation between government intervention and trade credit, and there is a positive correlation between managerial overconfidence and trade credit. Further study shows that when the over- confident managers exist in state-owned enterprises, they will provide less trade credit than they exist in private enterprises.