银行金融机构异质性、贷款技术对中小微企业信贷可得性的影响——基于128家商业银行的问卷

发布时间：2018-05-12 16:33

本文选题：银行金融机构异质性 + 贷款技术　；参考：《学海》2017年03期

【摘要】：本文通过对江苏省、浙江省和安徽省128家商业银行中小微企业金融服务的问卷调查和实地访谈得到的数据,利用多元Logistic模型,实证分析银行异质性和贷款技术对中小微企业信贷可得性的影响。研究结果显示:由于商业银行对中小微企业金融产品与服务存在有效供给不足,导致总体上企业信贷可得性较低,企业融资难问题未能根本解决。贷款技术是影响中小微企业信贷可得性的关键因素,银行异质性通过贷款技术作用于企业信贷可得性。其中,抵押型贷款技术和财务报表型贷款技术制约了中小微企业的信贷可得性,信用等级型贷款技术和关系型贷款技术有利于中小微企业信贷可得性的提高,担保型贷款技术和质押型贷款技术对中小微企业的信贷可得性也具有一定的影响。对此,本文提出,要从根本上解决中小微企业融资难的问题需要企业、政府和银行三方合力,企业要自觉自律加强自身的财务和信用的合规性、政府要加强和落实中小微企业贷款风险补偿政策和征信信用环境支持和建设、各类商业银行要开发精准服务中小微企业的信贷产品,提高中小微企业信贷可得性。
[Abstract]:Based on the questionnaire survey and field interview of 128 commercial banks in Jiangsu Province, Zhejiang Province and Anhui Province, this paper makes use of multiple Logistic model. The influence of bank heterogeneity and loan technology on the credit availability of SMEs is analyzed empirically. The results show that the lack of effective supply to the financial products and services of small and medium-sized enterprises in commercial banks leads to the low availability of corporate credit and the difficulty of enterprise financing. Loan technology is the key factor to influence the credit availability of small and medium-sized enterprises. Bank heterogeneity plays an important role in the availability of credit through loan technology. Among them, mortgage loan technology and financial statement loan technology restrict the credit availability of small and medium-sized enterprises, and credit rating loan technology and relational loan technology are beneficial to the improvement of credit availability of small and medium-sized enterprises. Guarantee loan technology and pledge loan technology also have certain influence on the credit availability of small and medium enterprises. In view of this, this paper points out that in order to fundamentally solve the problem of financing difficulties of small and medium-sized enterprises, enterprises should work together with the government and banks, and enterprises should consciously self-discipline to strengthen their own financial and credit compliance. The government should strengthen and implement the policy of credit risk compensation and credit environment support and construction, and all kinds of commercial banks should develop the credit products of small and medium-sized enterprises and improve the credit availability of small and medium-sized enterprises.
【作者单位】：南京农业大学金融学院财政金融研究中心;南京农业大学金融学院;
【基金】：中国浦东干部学院2014年度长三角改革发展研究课题“小微金融创新发展研究”(项目号:CELAP2014-YZD-05) 江苏省哲学社会科学基金重点项目“支持中小企业发展的金融体系研究”(项目号:12DDA007)的阶段性成果
【分类号】：F275;F276.3;F832.4

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