银企关系、企业年龄与中小企业贷款可得性的实证分析

发布时间：2018-03-11 18:31

本文选题：银企关系　切入点：企业年龄　出处：《山东大学》2017年硕士论文　论文类型：学位论文

【摘要】：自改革开放以来,我国经济的参与主体从以前的单一主体逐步演化为多元化主体,中小企业作为我国经济参与主体的新兴力量日益发展壮大,逐渐成为我国税收收入的重要来源之一,在促进我国经济发展、解决就业、提升人民生活质量方面发挥着不可替代的作用。然而,中小企业正面临着许多制约,金融机构支持的匮乏正成为我国中小企业发展滞后的一个重要因素。中小企业"融资难"、"融资贵",正在严重影响中小企业的成长,对其经营积极性造成了一定程度的不利影响。中小企业对我国经济在改革开放以后的高速发展起到了至关重要的作用,与此形成鲜明对比的是,中小企业获得银行贷款的难度和成本均比大型企业尤其是大型国有企业高得多,民营企业犹为甚之。中小企业融资难融资贵的问题阻碍着企业的进一步发展壮大,同时也阻碍着我国社会的发展和人民生活水平的提高,成为一个备受政治家和经济学家关注的问题。目前我国大部分关于银企关系的研究是在国外已有研究的基础上开展和深入的,多集中于银企关系的长度和规模方面,并未将银企关系对企业社会关系网络的嵌入这样的非正式制度因素考虑进去,同时国内研究在探讨银企关系对中小企业贷款可得性等方面的影响是,未将企业处于生命周期的不同阶段的影响考虑进去。本文根据国内外研究的情况,从传统意义的银企关系和"人"的角度定义的银企关系,同时引入企业年龄对企业所处年龄阶段进行区分,研究银企关系对于不同年龄阶段中小企业贷款的可得性的影响。最后,根据实证研究结果,对我国中小企业发展银企关系提出前瞻性建议,并针对本研究的不足之处提出未来研究的改进方向。通过银企关系与中小企业获得银行贷款可得性的联系的研究,可以为解决中小企业融资难问题提供一定的帮助,同时可以为中小企业构建更合适的银企关系提供良好的经验依据。
[Abstract]:Since the reform and opening up, China's economy in the main from the previous single subject gradually evolved into diversification, small and medium-sized enterprises as a new force in China's economic participation has become increasingly strong, gradually become one of the important sources of tax revenue in China, solving the employment in promoting China's economic development, and plays an irreplaceable the role of improving people's quality of life. However, SMEs are facing many constraints, lack the support of financial institutions is becoming an important factor in the development of small and medium-sized enterprises of our country lags behind. Small and medium sized enterprises "financing", "financing", is a serious impact on the growth of small and medium-sized enterprises, causing adverse effects to some extent the management of small and medium-sized enterprises enthusiasm. A crucial role in the rapid development of China's economy after the reform and opening up, by contrast, small and medium enterprises to obtain bank The difficulty and cost of loans are much higher than large enterprises especially large state-owned enterprises, private enterprises and why. SME financing expensive financing problems hindering the further development and expansion of enterprises, but also hinder the development of our society and the improvement of living standards, has become a concern of politicians and economists the problem. At present most of the bank enterprise relationship research is carried out based on the existing research on the foreign and the depth, length and size are more concentrated in the relationship between banks and enterprises, not the relationship between bank and enterprise relation network of corporate social embedding such informal institutional factors into account, while the domestic research is to explore the relationship of small and medium-sized enterprise loan availability etc. is not enterprises in different stages of the life cycle effect into account. According to the domestic and foreign research The situation, from the definition of the traditional sense of the relationship between banks and "people" from the point of view of the relationship between banks and enterprises, while the introduction of enterprise age distinguish age stage of the enterprise, study the relationship between banks and enterprises for small and medium-sized enterprises of different age stages of the credit availability effect. Finally, according to the empirical results, put forward some suggestions on the bank the relationship between the development of small and medium-sized enterprises in our country, and put forward the direction for future research in view of the shortcomings of this study. Through the relationship between banks and small and medium-sized enterprises to obtain bank loans can be linked to the study, can provide some help for solving the difficult problem of financing of small and medium enterprises, and can provide empirical evidence for small and medium-sized enterprises to build more good the proper relationship between banks.

【学位授予单位】：山东大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F276.3;F832.4

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