小企业金融服务专营机构融资审批效率提升问题研究

发布时间：2019-02-24 12:14

【摘要】：小企业金融服务专营机构是否提升小微企业贷款审批效率?银行中的哪些因素与企业融资的审批有关?本文采用抽样的方式收集湖南省长沙市14家银行的分级机构放贷小微企业的数据,通过实证研究专营机构对贷款审批时滞的直接和间接缓解效果。结果表明,专营机构存在人缘地缘优势,对于小微企业贷款审批时滞有直接缓解效果。另外,自主审批权限过多会导致非专营机构在一定程度上延缓审批效率。小微企业有贷款历史、企业实际控制人拥有声誉更容易获得银行的信任,有助于提高审批效率。本文的研究启示在于,为缓解小微企业审批时滞约束,机构专营的方式值得被鼓励,银行应与小微客户建立稳定的银企合作关系,避免过高的审批自由降低融资效率。
[Abstract]:Do small business financial services franchisees improve the efficiency of SME loan approval? What factors in the bank are related to the approval of corporate financing? In this paper, we collect the data of small and micro enterprises lending by 14 banks in Changsha, Hunan Province by sampling, and study the direct and indirect mitigation effect of loan approval delay by franchisees. The results show that the franchisees have geographical advantages, which can alleviate the delay of loan approval for small and micro enterprises directly. In addition, excessive independent approval authority will lead to non-franchisees to some extent delay the efficiency of approval. Small and micro enterprises have a history of loans, and their actual controllers have a reputation that makes it easier for them to gain the trust of banks, which helps to improve the efficiency of examination and approval. The inspiration of this study is that in order to alleviate the delay constraint of approval of small and micro enterprises, the way of institutional monopoly should be encouraged, and banks should establish a stable cooperation relationship with small and micro customers to avoid excessive freedom of approval to reduce the efficiency of financing.
【作者单位】：中南大学商学院;
【基金】：中南大学中央高校基本科研业务费专项资金资助(项目编号:2015zzts153)
【分类号】：F275;F832.4

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