银行业竞争度、政策激励与中小企业贷款——来自14省90县金融机构的证据

发布时间：2018-01-31 08:53

本文关键词： 中小企业贷款银行业竞争激励制度　出处：《金融研究》2017年01期 　论文类型：期刊论文

【摘要】：中小企业是推动中国经济转型和促进经济发展的重要力量,但“融资难、融资贵”问题一直是制约中小企业发展的重要因素。本文采用2005-2013年中国14省90县银行业金融机构的调查数据,探讨了市场竞争程度对中小企业贷款的影响,并结合当前的政策环境和激励制度为缓解中小企业融资问题提供新的视角。实证结果表明,市场集中度的降低并没有导致金融机构在定价能力和市场反应弹性等方面竞争程度的提高,而后者的提高有助于促进金融机构发放中小企业贷款。在此基础上,本文分别从逐步放开市场准入、增加贷款利率弹性、加快不良贷款核销和深化银行内部激励制度改革等四个方面提出建议,帮助金融机构对中小企业的贷款实现从“被动式放贷”向“主动式放贷”转变,充分发挥正规金融机构资金融通的职能。
[Abstract]:Small and medium-sized enterprises are an important force to promote China's economic transformation and economic development, but "financing is difficult." The problem of expensive financing has always been an important factor restricting the development of small and medium-sized enterprises. This paper adopts the survey data of banking financial institutions in 90 counties of 14 provinces in China from 2005 to 2013. This paper discusses the impact of market competition on SME loan, and provides a new perspective to alleviate the financing problem of SMEs in combination with the current policy environment and incentive system. The empirical results show that. The decrease of market concentration does not lead to the increase of the competitive degree of financial institutions in pricing ability and market response elasticity, and the latter can help to promote financial institutions to make loans to SMEs. This article separately from gradually liberalizes the market access, increases the loan interest rate elasticity, speeds up the non-performing loan write-off and the deepening bank internal incentive system reform and so on four aspects puts forward the proposal. To help financial institutions to make loans to small and medium-sized enterprises from "passive lending" to "active lending", and to give full play to the function of financing formal financial institutions.
【作者单位】：广东外语外贸大学金融学院;北京大学国家发展研究院;财新智库莫尼塔;
【正文快照】： 一、引言中小企业在我国经济发展中发挥着举足轻重的作用,是我国实现经济转型、推动经济升级的支柱力量。截至2012年底,中小企业占全国企业总数的99.7%,提供了80%的城镇就业岗位,创造了60%的国内生产总值,59%的税收和60%的进出口,完成65%的发明专利和75%以上的新产品开发?。另

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