商业银行竞争对小企业信贷可获性的影响  

Effect of Commercial Banks Competition on Credit Availability for Small Enterprises

作　　者：秦捷[1] 钟田丽[1] 

机构地区：[1]东北大学工商管理学院,辽宁沈阳110819

出　　处：《东北大学学报（自然科学版）》2011年第10期1512-1516,共5页Journal of Northeastern University(Natural Science)

基　　金：教育部高等学校博士学科点专项科研基金资助项目(20090042110033);辽宁省社科规划基金资助项目(L08DJY095)

摘　　要：将企业转换贷款银行成本的增加作为衡量商业银行竞争程度提高的指标,考虑企业投资项目收益、企业项目成功概率、企业垫付资金成本及银行对于不同规模的企业所设置的差别利率对小企业信贷可获性的影响,构建商业银行竞争影响小企业信贷可获性的分析模型,探讨商业银行竞争程度提高是否有利于小企业信贷可获性增加.研究结果表明,随着商业银行竞争程度提高,银行贷款项目的风险水平上升,贷款客户中的小企业比例下降,竞争加剧不利于小企业信贷可获性增加.最后以我国2009年信贷激增为例进行了案例分析,验证了所提模型的有效性.An analytic model on effect of commercial banks competition on credit availability of small enterprises was constructed to discuss whether the increase of commercial banks competition degree is favorable for the improvement of credit availability of small enterprises or not.In the model,the cost of switching bank of the enterprise was selected as an index to measure the commercial bank competition degree,and other four factors,i.e.,enterprise income on investment projects,probability of success of enterprise projects,cost for advanced capital and differential interest rate set by banks according to the scale of enterprises,were also selected to measure the improvement of credit availability of small enterprises.The research results showed that loan risk of banks increases with the commercial banks competition,the loan to small enterprise ratio decreases,and intensified bank competition is not favorable for the increase of small businesses credit availability.Finally,the case of credit explosion of our country in 2009 was analyzed to verify the effectiveness of the proposed model.

关 键 词：商业银行竞争 小企业 信贷可获性 转换银行成本 差别利率 

分 类 号：F832.1[经济管理—金融学]