如何有效降低银行对小微企业抵押物要求——基于贷款技术的视角

发布时间：2018-06-01 13:47

本文选题：抵押物 + 作用机制　；参考：《贵州财经大学学报》2017年01期

【摘要】：在理论分析抵押物作用机制的基础上,实证研究能够有效替代抵押物的贷款技术,并进一步分析某些贷款技术难以发挥替代作用的可能原因,以降低银行对小微企业抵押物要求,从而缓解小微企业信贷配给。研究结论表明:抵押率与借款企业违约风险显著负相关,抵押物作用机制中客户选择效应占主导地位;关系型和担保型贷款技术可以显著降低银行对抵押物要求,而财务报表型和信用评级型贷款技术对抵押物的替代效应十分微弱;随着金融基础设施的完善,信用评级型贷款技术对抵押物的替代效应逐渐显现,但财务报表即使经过审计亦难以对抵押物形成有效替代。在此基础上,提出了完善金融基础设施、提高贷款技术事前甄别能力的政策建议。
[Abstract]:On the basis of the theoretical analysis of the mechanism of mortgage, the empirical study can effectively replace the mortgage loan technology, and further analyze the possible reasons why some loan technology is difficult to play a substitute role. In order to reduce the bank demand for small and micro-enterprise collateral, thereby easing the small and micro-enterprise credit rationing. The results show that: the mortgage rate is negatively correlated with the default risk of the borrowing enterprises, and the customer selection effect is dominant in the mechanism of collateral, and the relational and secured loan technology can significantly reduce the banks' demand for collateral. However, the substitution effect of financial statement type and credit rating loan technology on collateral is very weak, and with the improvement of financial infrastructure, the substitution effect of credit rating loan technology on collateral gradually appears. But even if the financial statements are audited, it is difficult to replace the collateral effectively. On this basis, the paper puts forward some policy suggestions on how to improve the financial infrastructure and the ability of prior screening of loan technology.
【作者单位】：南京农业大学金融学院;南京农业大学江苏农村金融发展研究中心;
【基金】：国家社会科学基金重点项目“信息化趋势下普惠金融发展问题研究”(15AJY020) 江苏省普通高校研究生科研创新计划项目“信贷市场抵押物及其替代机制——基于贷款技术的视角”(KYZZ15_0166) 江苏省社会科学基金重点项目“金融支持小微企业发展研究”(13GLA002)
【分类号】：F832.4

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