中小企业信贷可得性影响因素研究——基于“小银行优势”视角  

Factors Affecting Credit Availability of SMEs——Based on the Perspective of ’Small Bank Advantage’

作　　者：胡国晖[1] 陈秀琴 HU Guo-hui;CHEN Xiu-qin(School of Economics,Wuhan University of Technology,Wuhan 430070,China)

机构地区：[1]武汉理工大学经济学院

出　　处：《北京邮电大学学报（社会科学版）》2019年第6期68-76,102,共10页Journal of Beijing University of Posts and Telecommunications(Social Sciences Edition)

基　　金：国家社会科学基金项目(13BGL040)

摘　　要：在"双创"风潮带动下,市场主体呈现活跃状态,中小企业表现良好,但是其融资问题仍然严峻。文中以中小企业板上市企业为样本,利用贷款数据回归分析其信贷可得性的影响因素,以期推动中小企业发展,从而带动我国经济高质量发展。结果表明,银行在给中小企业放贷时仍然存在"小银行优势"现象,银企关系能够显著提高企业信贷可得性,银行创新提升其竞争力进而促进企业信贷可得性,抵押贷款降低其信贷可得性。最后根据实证结果给出多层次建议:政府继续推动中小银行发展;中小银行拥抱金融科技驱动创新,以产品为利剑,以人才为内力;银行实施差异化抵押政策,制定贷款替换机制--用有效软信息换取抵押要求的降低;中小企业和多个关系银行建立长久借贷关系,并且设置高管金融背景门槛维护其关系深度。Driven by the "entrepreneurship and innovation"trend,market players are active,and SMEs( small and medium enterprises) are performing well,but their financing problems are still severe. Taking listed SMEs as samples,the influencing factors of their credit availability are regressively analyzed by using loan data,in order to promote the development of SMEs and the high-quality development of China’s economy. The results show that the phenomenon of "small bank advantage " still exists when banks lend SMEs,and the bankenterprise relationship can significantly improve the credit availability of enterprises;bank innovation can enhance their competitiveness and then promote the credit availability of enterprises;mortgage loan can reduce the credit availability. Finally,according to the empirical results,multi-level suggestions are given: the government should continue to promote the development of small and medium-sized banks;small and mediumsized banks should use financial technology to drive innovation,taking products as cutting edge and talents as internal forces;banks should implement differentiated mortgage policies and design replacement mechanism:exchanging effective soft information for lower requirements of credit mortgage;SMEs should establish a longterm close relationship with multiple relationship banks,and set the threshold of financial-related executives to maintain their relationship depth.

关 键 词：小银行优势 银行特征 银企关系 企业特征 信贷可得性 

分 类 号：F832[经济管理—金融学]