金融结构对地区信贷资金配置效率的影响——基于企业规模差异视角

发布时间：2018-03-05 20:12

本文选题：金融结构　切入点：信贷配置效率　出处：《金融经济学研究》2017年03期 　论文类型：期刊论文

【摘要】：基于企业规模差异视角,理论上,提高中小银行市场份额有助于提升银行信贷价格配置效率,中小银行发展越好越有利于缓解中小企业信贷融资约束。运用2010~2015年中国上市企业数据,对不同金融结构如何影响地区信贷数量及其价格配置效率进行实证检验发现,中国银行业信贷资金价格配置效率较高,但在数量配置上缺乏效率;发展中小银行将有助于提升中国银行业信贷价格配置效率,且对中小企业信贷价格配置效率的影响更明显,同时还能提升中小企业信贷资金数量配置效率水平。基于研究结论,中国应积极扶持中小银行发展,以有效提高信贷资金配置效率。
[Abstract]:Based on the view of enterprise scale difference, in theory, increasing the market share of small and medium-sized banks is helpful to improve the efficiency of bank credit price allocation. The better the development of small and medium-sized banks is, the better can ease the credit financing constraints of small and medium-sized enterprises. Using the data of Chinese listed enterprises from 2010 to 2015, this paper makes an empirical test on how different financial structures affect the quantity of regional credit and the efficiency of price allocation. The price allocation efficiency of credit funds in China's banking industry is high, but the quantity allocation is inefficient, and the development of small and medium-sized banks will help to improve the efficiency of credit price allocation in China's banking industry, and the impact on the credit price allocation efficiency of small and medium-sized enterprises will be more obvious. Based on the conclusion of the research, China should actively support the development of small and medium-sized banks in order to effectively improve the efficiency of the allocation of credit funds.
【作者单位】：南昌大学管理学院;上海财经大学法学院;
【基金】：中国博士后第59批面上项目(2016M592112) 江西省科技厅软科学项目(20151BBA10027) 江西省教育厅科技项目(150170)
【分类号】：F275;F832.4

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