银根紧缩背景下银企关系共生性研究——以江西省为例  

The Symbiosis Research between Banks and Cooperates under the Background of Monetary Tightening——Taking Jiangxi Province for Example

作　　者：徐新华[1] 丁峰[1] 周朝华[1] 

机构地区：[1]南昌大学经济管理学院,江西南昌330031

出　　处：《南昌大学学报（人文社会科学版）》2015年第3期78-84,共7页Journal of Nanchang University(Humanities and Social Sciences)

基　　金：江西省科技厅软科学课题"科技企业集聚与金融源分配--入园的经济价值边界点分析"(20121BBA10028);江西省高校人文社会科学研究项目"资金紧缩;财政政策调控与江西银企关系共生分析"(GL1402);南昌大学社会科学研究基金2011年课题(11XGL03);江西省研究生创新型课题(YC2014-S031)

摘　　要：我国目前银根紧缩的背景下,中小企业信贷成本逐渐提高,银行机构出现了"惜贷""限贷"的现象。通过选取江西省近十年中小企业发展现状的相关指标,建立影响银行整体信贷成本的计量经济模型,并采用SPSS对七个影响因子进行排名,得出以下结论:企业自身的规模是获得贷款的关键;影响银行整体信贷成本因素主要有中小企业的规模、银行信贷成本、商业银行存款准备金率、央行五年基准利率、规模企业的利润总额;商业银行存款准备金率、再贴现率利率、企业数量和利润都与银行整体信贷成本成正比关系,而央行五年基准利率、人民币兑美元汇率和企业的资产负债率对银行整体信贷成本呈反比关系。The cost of credit for SMEs is rising under the background of China＇ s current monetary tightening. In conclusion that the bank exists the ＂credit crunch＂ and ＂credit limit＂ phenomenon. We select the relevant indi- cators of SMEs to establish the cost of credit bank overall econometric model in Jiangxi Province through nearly a decade, also, rank the seven factors by SPSS. The conclusions include： the critical of obtaining loans is the size of their own ; the factors that affect the overall credit cost mainly are small and medium scale banks, the cost of bank credit, commercial bank deposit reserve ratio, the central bank benchmark interest rate for five years, the total profit -scale enterprises;there is proportional relationship between the bank＇s overall credit costs and commercial bank deposit reserve rate, the discount rate, the interest rate, the number of enterprises and profit , while the central bank benchmark interest rate for five years, asset -liability ratio against the dollar and corporate banking on the overall cost of credit has inverse relationship.

关 键 词：银根紧缩 银企关系 中小企业 共生性 

分 类 号：F234.4[经济管理—会计学]