银行业竞争与中小企业融资——基于关系型贷款的视角  

Bank Competition and Small and Medium Enterprise Financing:Perspective from Relationship Lending

作　　者：邵弋 杨云红[1] 

机构地区：[1]北京大学光华管理学院金融系

出　　处：《金融学季刊》2017年第4期104-134,共31页Quarterly Journal of Finance

摘　　要：本文针对我国现状，从理论上分析了银行业间的竞争对关系型贷款以及中小企业融资可能造成的影响。主要结论有：①银行业间竞争会对关系型贷款进而对银行发放贷款的总量产生影响，这种影响与银行和企业建立关系的成本、企业所面临的投资环境相关；②银行业间的竞争尤其是过度竞争，可能会对中小企业的融资环境造成不利影响。Concentrating on the situation of China, this paperdiscuss the influence of bank competition on relationship lending and the SMEs financing. The main results are： （1） the competition between banks would influence the amount of reiationship lending and the total amount of lending, which would be affected by the extra cost of relationship lending and the investment environment. （2） Competition of banks, especially over-competition, would have bad influence on the financing of SMEs.

关 键 词：银行竞争 投资环境 中小企业融资 关系型贷款 

分 类 号：F832.33[经济管理—金融学]