中小企业生命周期与银行信贷资产质量

发布时间：2018-07-05 11:44

本文选题：浙江 + 中小企业　；参考：《金融论坛》2014年06期

【摘要】：本文以浙江省6 381家县域中小企业银行信贷数据为样本,分析中小企业生命周期与银行信贷资产质量的关系,检验中小企业生命周期对信贷资产质量影响的传导机制。结果表明:处于不同生命周期中小企业的信贷资产质量从高到低的次序为成熟期、成立期、衰退期和成长期;中小企业的生命周期通过直接嵌入和间接嵌入两条路径影响信贷资产质量,其中,信用评级为间接路径的传导变量。因此,应强化生命周期的间接嵌入作用,做好中小企业信贷风险预警;建立中小企业信息数据库;建立基于生命周期的中小企业信贷资产管理长效机制等。
[Abstract]:Based on the bank credit data of SMEs in 6 381 counties in Zhejiang Province, this paper analyzes the relationship between the life cycle of SMEs and the quality of bank credit assets, and examines the transmission mechanism of the influence of life cycle of SMEs on the quality of credit assets. The results show that the order of credit asset quality of SMEs in different life cycles from high to low is maturity, establishment, recession and growth; The life cycle of SMEs affects the quality of credit assets through direct embedding and indirect embedding, in which credit rating is the conduction variable of indirect path. Therefore, we should strengthen the role of indirect embedding of life cycle, do a good job of credit risk early warning of SMEs, establish SME information database, and establish a long-term mechanism of credit asset management based on life cycle.
【作者单位】：中国农业银行博士后工作站;北京大学博士后流动站;中国农业银行信贷管理部;
【基金】：中国博士后科学基金面上资助项目(2013M530787) 国家自然科学基金项目(71201143)
【分类号】：F832.4;F276.3

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