广西银行业竞争对中小企业信贷可得性的影响  

作　　者：叶志锋[1] 韩志岩[2] 张静雯[2] 

机构地区：[1]广西科技大学财经学院 [2]广西科技大学管理学院

出　　处：《企业经济》2016年第3期157-162,共6页Enterprise Economy

基　　金：国家自然科学基金项目"会计信息质量在信贷资源配置中的识别意愿;识别技术及经济后果研究"(项目编号:71462004);广西高校科研重点项目"银行业竞争;信贷行为变化与广西产业升级研究"(项目编号:ZD201078);广西科技大学博士基金项目"柳州市科技型中小企业融资体系研究"(项目编号:03081511)

摘　　要：本文基于2009年至2014年广西银行分支机构数量及中小企业年度贷款余额数据,实证研究了广西银行业竞争水平对中小企业信贷可得性的影响。结果显示:广西银行业竞争程度对区内中小企业信贷可得性有显著的正向影响。"十二五"期间广西大力实施的"引金入桂"工程提高了中小企业的信贷可得性,促进了中小企业的发展。因此,有关部门进一步建立适应地方经济发展的银行业竞争体系并积极改善地方金融生态环境,中小企业持续利用金融市场竞争环境,对于解决中小企业融资难融资贵问题至为重要。This paper has put the influence of the competition level of banks in Guangxi on the credit availability of small- and medium-sized enterprises into practice based on the number of bank branches of Guangxi from 2009 to 2014 and annual loan balance data of small- and medium-sized enterprises in Guangxi. The results showed that the banking industry competition degree has a significantly positive effect on credit availability of SMEs in Guangxi. During the ＂12th Five-Year Plan＂, Guangxi vigorously implemented the project of leading gold to Guangxi, which has improved the SMEs credit availability and promoted the development of small- and medium-sized enterprises. Therefore, the relevant departments established the competition system of the banking industry to adapt to the development of local economy and improve the local financial environment actively. Small and medium enterprises use the competitive environment of financial market continuously, which is very important to solve the problem of financing of small and medium enterprises in Guangxi area.

关 键 词：广西中小企业 银行业竞争 信贷可得性 

分 类 号：F061.5[经济管理—政治经济学]