银行业结构对中小企业融资的影响

发布时间：2018-01-06 00:26

本文关键词：银行业结构对中小企业融资的影响　出处：《经济理论与经济管理》2016年06期 　论文类型：期刊论文

【摘要】：本文结合世界银行关于中国中小企业的调查数据和中国银监会发布的银行业分布数据,分析了银行业结构与中小企业融资的关系。本文发现:银行业结构与中小企业受到信贷配给的概率呈现"U型"关系,即存在最优水平的银行业集中度使中小企业受到信贷约束的概率最低。根据本文研究,我国银行业集中度总体上高于最优水平,但不同地区又有所差异。本文还发现,考察银行业集中度不能只关注国有大型商业银行比重的下降,大型股份制商业银行比重的替代性上升也没有有效解决中小企业融资难的问题。因此,鼓励发展中小金融机构,才是支持中小企业融资的有效途径。
[Abstract]:This paper combines the World Bank survey data on small and medium-sized enterprises in China and the banking distribution data released by the China Banking Regulatory Commission. This paper analyzes the relationship between banking structure and SME financing. It is found that the relationship between banking structure and the probability of SMEs receiving credit rationing is "U-shaped". That is, the existence of an optimal level of banking concentration makes SMEs the lowest probability of credit constraints. According to this study, the banking concentration in China is generally higher than the optimal level. This paper also finds that the study of banking concentration can not only focus on the decline of the proportion of large state-owned commercial banks. Therefore, encouraging the development of small and medium-sized financial institutions is an effective way to support the financing of small and medium-sized enterprises.
【作者单位】：中国人民大学国家发展与战略研究院;中央财经大学金融学院;
【基金】：北京市社会科学基金研究基地项目(15JDSHC011)的资助
【分类号】：F276.3;F832.4
【正文快照】： *刘晓光,中国人民大学国家发展与战略研究院,邮政编码:100872,电子邮箱:lxg2015@ruc.edu.cn;苟琴,中央财经大学金融学院。本文得到北京市社会科学基金研究基地项目(15JDSHC011)的资助。感谢匿名评审人提出的修改建议,笔者已做了相应修改,本文文责自负。一、引言改革开放以来,

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