银行规模、金融生态环境与小企业融资

发布时间：2018-01-05 23:20

本文关键词：银行规模、金融生态环境与小企业融资　出处：《科学决策》2017年09期 　论文类型：期刊论文

【摘要】：时下主流观点强调解决小企业融资难题在于发挥"小银行优势"。然而基于此理论的政策导向与实践,并未有效疏通小企业融资瓶颈。本文以广州、中山、惠州和江门等广东省4个地市调研数据为样本,将金融生态环境要素纳入了不同规模的银行机构面向小企业融资的分析框架之中,探讨不同金融生态环境下,面向小企业融资的大小银行机构的行为差异,实证求解为小企业融资的主力金融机构格局。结果表明,一方面,小企业同大银行机构建立金融关系,更能优化自身的融资约束困境;另一方面,合意的金融生态环境,有助于大银行机构提高小企业的融资境遇。本文的政策含义在于,化解小企业融资难题的最有效金融结构,重在改善金融生态环境,并由此激发大银行机构充分发挥其功能。
[Abstract]:Nowadays, the mainstream view emphasizes that the solution to the financing problem of small enterprises lies in giving full play to the advantages of small banks. However, the policy direction and practice based on this theory have not effectively cleared up the bottleneck of financing of small enterprises. This paper takes Guangzhou, Zhongshan. Huizhou and Jiangmen, four cities in Guangdong Province, as samples, the financial ecological environment elements into the different size of banking institutions for small business financing analysis framework, to explore the different financial ecological environment. The behavior differences of small and small banking institutions are solved by empirical analysis. The results show that, on the one hand, the financial relationship between small enterprises and large banks is established. More can optimize their financing constraints; On the other hand, the agreed financial ecological environment is helpful for the large banking institutions to improve the financing situation of small enterprises. The policy implication of this paper is the most effective financial structure to resolve the financing problems of small enterprises. Focus on improving the financial ecological environment, and thus stimulate large banking institutions to give full play to their functions.
【作者单位】：广东金融学院;广东区域金融政策研究中心;暨南大学经济学院;华南师范大学经济与管理学院;
【基金】：广东省哲学社会科学“十三五”规划项目(项目编号:GD16CYJ09) 广东省哲学社会科学“十二五”规划共建项目(项目编号:GD15XYJ08) 广东省高等院校创新强校工程之创新研究团队项目(项目编号:2014WCXTD005) 广东区域金融政策研究中心资助
【分类号】：F276.3;F832.4
【正文快照】： 李华民吴非廉胜南韩亚欣随着经济的快速发展,小企业已成为当今国民经济的重要组成部分之一。但由于传统金融结构扭曲所引致的巨大渗漏,使得如何有效融资成为横亘在小企业面前的重大课题。如此窘境,多可归为小企业自身财务透明度差、缺乏抵押品等(Bester,1987[1])。国内外的理

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