破除银行业垄断能够缓解中小企业融资约束吗?  

Will the Breaking of the Banking Monopoly Ease the Financing Constraints of Small and Medium-sized Enterprises?

作　　者：肖晶 粟勤[2] Xiao Jing Su Qin(Postdoctoral Workstation, Industrial and Commercial Bank of China, Beijing 100032, China School of Banking and Finance, University of Intemational Business and Economics, Beijing 100029, China)

机构地区：[1]中国工商银行博士后科研工作站 [2]对外经济贸易大学金融学院,100029

出　　处：《南开经济研究》2016年第5期19-35,共17页Nankai Economic Studies

基　　金：国家社会科学基金项目"基于金融包容视角的地区银行业市场结构与优化设计"(15BJL027)的中期成果

摘　　要：本文以世界银行2012年《中国企业问卷调查》2179个民营企业样本为研究对象,运用Ordered Probit模型考察了中国银行业市场集中度下降和竞争程度增强对中小企业融资约束的影响。研究发现:(1)破除银行业垄断有助于缓解中小企业融资约束;(2)与大型商业银行相比,中小银行的快速成长在缓解中小企业融资约束中发挥了更大的作用;(3)不同类型的中小银行在缓解中小企业融资约束方面表现出差异化效应。Using 2179 samples of private enterprises in the China Enterprise Survey by the World Bank in 2012,this paper empirically analyzes the impact of China＇s banking market structure on the financing constraints of SMEs,with the ordered probit model. The results show that：（1）The decentralized banking market can effectively alleviate the financing constraints of SMEs;（2）Compared with the state-owned commercial banks,the small and medium-sized banks play a more important role in alleviating the financing constraints of SMEs;（3）Different types of small and medium–sized banks have different effects on alleviating the financing constraints of SMEs.

关 键 词：银行业市场结构 中小企业 中小银行 融资约束 

分 类 号：F276.3[经济管理—企业管理] F832.4[经济管理—国民经济]