小银行优势假说及其对我国的启示  

Analysis on the Hypothesis of Small Bank Advantage

作　　者：周海燕 朱怀意[2] 罗钢[2] 

机构地区：[1]浙江新大集团出口部,浙江杭州310002 [2]复旦大学管理学院,上海200433

出　　处：《太原理工大学学报（社会科学版）》2005年第1期14-17,共4页Journal of Taiyuan University of Technology(Social Science Edition)

基　　金：中国博士后科学基金(20040350500)

摘　　要：大量小型银行的存在抑制了银行业的垄断,促进了银行业竞争和金融发展,从而有助于金融体系融资效率的提高。实证研究表明,小银行比大中型银行更加倾向于向中小企业提供贷款;无论是在中小企业贷款占银行总资产的比率,还是在中小企业贷款占全部企业贷款的比率上,小银行的指标均高于大中型银行,由此产生了所谓的"小银行优势"的假说。虽然目前"小银行优势"在我国显现不足,但不能由此认为小银行在我国没有竞争优势。Not all small business loans are created equal; different sized banking institutions tend to make different types of loans and to use different processes in making lending decisions. The hypothesis of small bank advantage is that smaller banks located in markets dominated by large banks can discriminately choose the best loan applicants and consequently make better quality loans.The empirical results support the hypothesis by finding that small banks in local markets dominated by large banks have higher quality loan portfolios.

关 键 词：小银行 关系型贷款 优势 

分 类 号：F830.2[经济管理—金融学]