我国传统银行开展中小微金融活动:社会责任还是商业驱动  

MSME FINANCE ENGAGEMENTS BY CHINESE TRADITIONAL BANKS:SOCIAL RESPONSIBILITY OR BUSINESS MOTIVATION

作　　者：李焰[1] 施佳宏[1] LI Yan;SHI Jia-hong(School of Business, Renmin University of Chin)

机构地区：[1]中国人民大学商学院

出　　处：《经济理论与经济管理》2018年第4期32-48,共17页Economic Theory and Business Management

基　　金：国家然科学基金面上项目"投资者保护与声誉机制的作用机理"(71272150);国家社会科学基金重点项目"新常态下中国普惠金融体系建设研究"(15AZD012)的资助

摘　　要：传统银行往往被认为不适合开展中小微金融活动,但近年来,越来越多的传统商业银行进入到了这一领域。本文基于2007—2014年手工收集的银行业金融机构的面板数据,从银行对中小微企业的资金供给和服务提供两个方面,采用实证方法探究了我国银行参与中小微金融的动机。本文发现,除银监会政策外,社会责任与商业利益均与银行开展中小微金融业务的深度有不同程度的相关性;进一步研究表明,银行自身的股权性质和所在省份的经济文化特征同样与银行的参与程度显著相关。本文的研究弥补了现有研究中量化分析的不足,并对我国银行业监管部门制定政策以引导金融资源合理配置具有建设性意义。Traditional banks are usually considered as being unsuitable for MSME Finance, but a growing number of Chinese traditional commercial banks are engaged in MSME Finance in recent years. This paper explores factors related to MSME finance engagement by Chinese banking financial institutions by empirical research using hand-collected panel data from 2007 to 2014. Defining engagement as loan provision and service delivery, this paper finds that, apart from policy of CBRC, corporate social responsibility and business interest are both significantly related to engagement intensity to different extent. Moreover, ownership type, economic and culture environment also impact on the engagement intensifies of banks. This paper enriches empirical research on MSME Finance, and has a practical implication for banking regulation department to properly allocate financial resources.

关 键 词：中小微金融 社会责任 商业驱动 

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