银行业结构影响中小企业信贷能力?--基于分层线性模型实证  

Will Banking Structure Affect the Credit Capacity of SMEs? Empirical Study Based on Hierarchical Linear Model

作　　者：池仁勇[1] 陈洁[1] 廖雅雅 胡倩倩 Chi Renyong;Chen Jie;Liao Yaya;Hu Qianqian(College of Management,Zhejiang University of Technology,Hangzhou 310023,China)

机构地区：[1]浙江工业大学经贸管理学院,杭州310023

出　　处：《技术经济》2019年第11期93-99,124,共8页Journal of Technology Economics

基　　金：国家社科基金重大项目“大数据背景下中小微企业征信体系的理论与方法”(17ZDA088)。

摘　　要：中小企业融资问题引起了我国普遍关注。基于Wind数据库,利用分层线性模型考察了企业规模与银行业结构对中小企业信贷能力的影响,并引入了商业信用环境变量,研究不同商业信用环境下,该影响是否会发生变化。研究发现,企业规模越大,银行业结构越分散,企业信贷能力越强,但该影响程度随着商业信用环境的提高而减弱。研究结果对于如何提高中小企业信贷能力具有重要参考意义。The financing problem of small and medium enterprises(SMEs) in China has caused widespread concern. Based on the wind database, this paper uses the hierarchical linear model to examine the impact of enterprise size and banking structure on the credit capacity of SMEs, and introduces commercial credit environment variables to study whether the impact will change under different commercial credit environments. It is found that the larger the enterprise size and the more dispersed the banking structure, the stronger the credit capacity of the SMEs. But the impact is weakened with the improvement of the commercial credit environment. This study can be great reference in improving the credit capacity of small and medium enterprises(SMEs).

关 键 词：银行业结构 商业信用环境 企业规模 企业信贷能力 

分 类 号：F832.1[经济管理—金融学]