新结构经济学视角下银行业结构对企业研究与实验发展投入的影响  

The Impact of Banking Structure on R&D Input from the Perspective of New Structural Economics

作　　者：李小鹤[1] LI Xiaohe(Zhengzhou Institute of Aeronautical Industry Management,Zhengzhou 450015)

机构地区：[1]郑州航空工业管理学院航空经济发展河南协同创新中心,郑州450015

出　　处：《科技促进发展》2018年第7期591-598,共8页Science & Technology for Development

基　　金：国家社科基金一般项目(编号:15BJY095):粮食主产区农地确权的溢出效应及模式优化研究;负责人:万举;河南省社科院社科规划项目(编号:2016BJJ056):郑州航空港经济综合实验区航空金融组织发展模式研究;负责人:李小鹤;河南省科技厅软科学研究计划(编号:172400410373):郑州航空港区科技金融组织发展模式研究;负责人:李小鹤

摘　　要：目前,我国经济增长面临的减速压力,创新活动没有达到宏观经济需要的水平是经济增长乏力的内因,而R&D投入不足又导致创新不足。为解析银行业结构对企业研究与实验发展(R&D)投入的系统性影响方向和力度,论文以新结构经济学为基点,构建了信息不对称条件下不同科技贷款技术的利润模型,分析银行业结构与企业R&D投入之间的因果关系,采用2002年—2017年间中国省级数据进行实证检验。结果表明:中小银行占比的提高,有利于各种规模企业R&D项目融资;专利申请数量与中小银行占比之间存在正相关关系;关系型科技贷款技术的委托代理成本与银行规模正相关;促进银行业结构向中小银行倾斜是破解融资约束、提升我国各省企业R&D投入的政策关键。To analyze the systematic influence direction and dynamics of banking structure on enterprise RD input,taking new structural economics as the base point, this paper constructs a profit model of different technology loan technology under asymmetric information, analyzes the causal relationship between banking structure and RD input, and uses China＇s provincial data from 2002 to 2017 to conduct empirical tests. Results show： if the proportion of small and medium banks is increased in the banking sector, that will be conducive to SME RD project financing; there is a positive correlation between the number of patent applications and the proportion of small and medium-sized banks in the banking sector; there is a positive correlation between the principal agent cost and the bank size, that led to the adoption of this technology cannot achieve large-scale commercial banks. At last, by promoting the banking structure to small and medium banks tilt, we can crack the financing constraints of the enterprise independent RD investment in China.

关 键 词：银行业结构 研究与实验发展 信息不对称 贷款技术 

分 类 号：F832[经济管理—金融学]