商业银行信任对小微企业信贷影响的研究

发布时间：2018-05-01 08:25

本文选题：信任 + 关系型贷款　；参考：《国际金融研究》2017年02期

【摘要】：信贷关系蕴藏风险和不确定性,尤其是在信息不对称更为严重的小微企业中。银行信任有助于降低信息不对称程度和交易行为的不确定性,帮助银行全面评估小微企业的可信度。本文以向商业银行信贷人员发放调查问卷为基础,实证研究银行信任与小微企业贷款可获得性、贷款利率之间的关系。结果显示,银行信任与小微企业贷款可获得性呈显著正相关关系,与贷款利率呈负相关关系,即高水平的信任有助于增加信贷可获得性,降低信贷成本,且信任的两个子主成分对贷款可获得性和贷款利率的影响呈明显的差异性,善意-诚实信任增加贷款可获得性,而能力信任降低信贷成本。本文结论对缓解我国小微企业信贷约束具有一定启示。
[Abstract]:Credit relationships carry risks and uncertainties, especially in small and micro firms with more asymmetric information. Bank trust can help reduce the degree of information asymmetry and uncertainty of transaction behavior, and help banks to evaluate the credibility of small and micro enterprises. Based on the questionnaire to the credit personnel of commercial banks, this paper empirically studies the relationship between bank trust and the loan availability and loan interest rate of small and micro enterprises. The results show that there is a significant positive correlation between bank trust and loan availability of small and micro enterprises, and a negative correlation between bank trust and loan interest rate, that is, a high level of trust helps to increase the availability of credit and reduce the cost of credit. The influence of the two principal components of trust on loan availability and loan interest rate is significantly different. Goodwill-honest trust increases loan availability while ability trust reduces credit costs. The conclusion of this paper has some enlightenment to ease the credit constraint of small and micro enterprises in China.
【作者单位】：中南大学商学院;西南财经大学金融学院;
【基金】：国家自然科学基金(71173241;71473275) 教育部新世纪优秀人才支持计划(CET-10-0830)资助
【分类号】：F832.4;F275

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