银行类型对中小企业贷款影响的实证研究

发布时间：2018-02-24 07:08

本文关键词： 中小企业融资银行类型关系型信贷　出处：《浙江大学》2014年硕士论文　论文类型：学位论文

【摘要】：近年来,中小企业融资问题引起了越来越多的关注。当前,随着创办企业的政策限制的减少,以国有企业为主导的国民经济格局被逐渐打破,中小企业迅速崛起并成为经济中最具活力的部分。与此同时,中小银行发展显得相对滞后。中小企业的迅速发展需要与之相适应的金融服务,而金融体制改革的滞后使中小企业资金供给不足。推进中小银行的发展,对解决中小企业融资难题有着至关重要的意义。因此,研究银行类型对中小企业贷款的影响,可以为中小金融机构、尤其是民营中小银行和金融机构的发展提供依据,这对于我国国民经济的发展不仅是十分有必要的,也是非常具有现实意义的。借鉴国内外学者的研究成果,本文选取中小企业融资中的信贷融资作为研究对象,主要从银行规模因素的角度进行考察。本文将研究重点定位于不同类型的银行、包括一些中小银行的信贷业务发展上,从理论、制度、借贷技术等角度入手,分析它们在中小企业信贷融资中的地位、作用及发展前景等。本文从具体数据出发,考察了我国各商业银行具体业务的开展情况和我国银行业总体的表现,分析了我国中小企业银行贷款问题的现状。同时,本文不仅局限于理论分析,更尝试结合经验数据,用实证的方法对中小企业信贷和银行类型的关系进行了检验。研究表明,从大银行贷款的企业,其财务状况较好,经营规模较大；从中小银行贷款的企业,其贷款来源的银行数目较少,银企关系更密切。发展中小企业融资业务,应该大力支持中小银行特别是地方性中小银行发展对中小企业融资。但现阶段也不能盲目从银行数量上扩张,设立过多的中小金融机构,而应仔细分析我国中小企业融资难的原因,有针对性地制定相应的配套方案。
[Abstract]:In recent years, the financing problem of small and medium-sized enterprises has attracted more and more attention. At present, with the reduction of policy restrictions on the establishment of enterprises, the pattern of national economy dominated by state-owned enterprises has been gradually broken. At the same time, the development of small and medium-sized banks is lagging behind. The rapid development of small and medium-sized enterprises needs corresponding financial services. However, the lagged reform of the financial system makes the supply of funds for small and medium-sized enterprises insufficient. It is of vital significance to promote the development of small and medium-sized banks in order to solve the financing problems of small and medium-sized enterprises. Therefore, the study of the impact of bank types on loans to small and medium-sized enterprises, It can provide the basis for the development of small and medium-sized financial institutions, especially private small and medium-sized banks and financial institutions, which is not only very necessary for the development of our national economy, but also of great practical significance. Referring to the research results of domestic and foreign scholars, this paper selects the credit financing in the financing of small and medium-sized enterprises as the research object, mainly from the angle of the scale factor of the bank. Including some small and medium-sized banks' credit business development, from the theory, the system, the loan technology and so on angle, analyzes their position, the function and the development prospect and so on in the small and medium-sized enterprise credit financing. This paper examines the development of the specific business of commercial banks in China and the overall performance of the banking industry in China, and analyzes the present situation of bank loans for small and medium-sized enterprises in China. At the same time, this paper is not only limited to theoretical analysis, but also tries to combine empirical data. The relationship between SME credit and bank type is tested by empirical method. The number of banks whose sources of loans are relatively small and the relationship between banks and enterprises is closer. Small and medium-sized banks, especially local small and medium-sized banks, should be strongly supported to develop financing for small and medium-sized enterprises. However, at this stage, we should not blindly expand the number of banks and set up too many small and medium-sized financial institutions. We should carefully analyze the causes of the financing difficulties of our small and medium-sized enterprises, and formulate corresponding supporting plans.
【学位授予单位】：浙江大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F276.3;F832.4

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