中小企业信贷支持影响因素分析——基于内陆欠发达地区个案的实证研究  

Analysis about the Impact Factors of SMEs Credit Support ——Based on Case Empirical Research of Inland Underdeveloped Region

作　　者：黄华继[1] 宁超[2] 汪靖[1] 

机构地区：[1]安徽财经大学金融学院,安徽蚌埠233030 [2]太原理工大学经济管理学院,太原030024

出　　处：《经济问题》2011年第10期121-125,共5页On Economic Problems

基　　金：安徽省教育厅自然科学重点项目"合芜蚌自主创新综合配套改革试验区中小企业金融支持问题研究"(KJ2010A001);教育部人文社科项目"我国小企业信用评级优化研究--基于创新发展能力的计量分"(10YJA630181)部分研究成果

摘　　要：中小企业的信贷需求与商业银行"惜贷"间存在矛盾与冲突。基于商业银行信贷支持的规模与中小企业经营状况的视角,以内陆欠发达地区安徽蚌埠的样本对象,运用因子分析及横截面多元回归方法找出影响银行对中小企业信贷支持规模的因素,并定量分析它们之间的关系。通过实证分析,发现商业银行的信贷规模与资产规模、负债额、息税前利润、所有者权益、利润总额、主营业务利润、应交所得税正相关,其中息税前利润是最主要的影响因素,说明商业银行在对中小企业的放贷上存在着明显的收益倾向特征。There are contradictions and conflicts between SMEs＇ credit demand and behavior of commercial bank which commercial banks are willing not to make loan to SMEs. Based on the perspectives of bank credit sup- port scale and SMEs＇ business circumstance and samples from Bengbu of inland underdeveloped region , using the factor analysis and cross - sectional multiple regression analysis methods to analyze what factors affect SMEs＇ credit scale and the quantitative relationship between them. Through empirical analysis, found that there is positive corre- lation between commercial bank credit scale and asset scale, liabilities, EBIT, owners＇equity, total profit, operat- ing profit, and income tax. EBIT is the main interest influence factors among them, which means there are obvious characteristics of profitable tendency when lending to SMEs.

关 键 词：信贷支持规模 中小企业 多元回归 影响因素 

分 类 号：F830.5[经济管理—金融学]