银行规模、金融发展与中小企业规模增长——基于2006～2015年的省级面板数据分析

发布时间：2018-07-08 10:54

本文选题：中小企业发展 + 金融发展水平　；参考：《金融与经济》2017年12期

【摘要】：银行业结构及金融发展水平在中小企业发展过程中所起的作用,学术界至今未有明确结论。本文通过对2006年至2015年的省级面板数据进行研究发现,当大型银行规模高于31.5%时,金融发展显著促进了中小企业规模的增长;而当大型银行规模小于31.5%时,金融发展则会抑制中小企业规模的增长。实证结果支持了"大银行优势"而非"小银行优势"。因此建议把大型银行作为解决中小企业融资问题的主力军。同时我们还发现金融发展水平和大型银行规模之间存在着显著的负相关关系。此外,对影响中小企业发展的其他相关因素进行分析,我们发现出口对中小企业发展的影响显著为正,而国有经济占比以及政府支出的影响显著为负。
[Abstract]:The role of banking structure and financial development level in the development of small and medium-sized enterprises has not been clearly concluded. Through the study of provincial panel data from 2006 to 2015, this paper finds that when the size of large banks is higher than 31.5, the financial development significantly promotes the growth of small and medium-sized enterprises, while when the size of large banks is less than 31.5, Financial development will curb the growth of small and medium-sized enterprises. The empirical results support "big bank advantage" rather than "small bank advantage". Therefore, it is suggested that large banks should be the main force to solve the financing problem of small and medium enterprises. At the same time, we find that there is a significant negative correlation between the level of financial development and the size of large banks. In addition, through the analysis of other related factors that affect the development of small and medium-sized enterprises, we find that the impact of exports on the development of small and medium-sized enterprises is significantly positive, while the proportion of state-owned economy and the impact of government expenditure is significantly negative.
【作者单位】：中央财经大学中国经济与管理研究院;
【分类号】：F276.3;F832

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