银行竞争如何影响中小企业信贷可获性?——基于市场规模结构的调节作用研究  

How Does Bank CompetitionAffect the CreditAvailability of SMEs:AResearch on the Regulation Effects of Market Scale Structure

作　　者：程超 柳凌韵 CHENG Chao;LIU Lingyun(Department of Economics,Party School of Jiangsu Provincial Committee of C.P.C,Nanjing 210009,China;Commercial College,Nanjing XiaoZhuang University,Nanjing 210071,China)

机构地区：[1]中共江苏省委党校经济学教研部,江苏南京210009 [2]南京晓庄学院商学院,江苏南京211171

出　　处：《南京审计大学学报》2020年第2期79-90,共12页Journal of Nanjing Audit University

基　　金：国家自然科学基金青年项目(71603130);江苏省社会科学基金青年项目(19EYC008)。

摘　　要：基于BvD亚太企业分析数据库2007—2013年江苏省中小企业年度非平衡面板数据,分析银行业竞争程度与中小企业信贷可获性之间的关系,并探究市场规模结构在其中所发挥的重要调节作用。研究结果表明:市场规模结构是影响银行业竞争程度与中小企业信贷可获性之间关系的重要因素。当大银行机构数量在信贷市场中占主导时,竞争程度的提高有利于中小企业融资,中小企业信贷可获性随银行业竞争程度单调递增;当小银行机构数量在信贷市场中占主导时,中小企业信贷可获性与市场竞争程度之间呈倒U型关系。现有关于银行业竞争程度与中小企业融资之间关系的研究结论存在较大争议,而对于市场规模结构这一关键因素的忽视可能是造成已有研究存在较大分歧的重要原因。Using the annual unbalanced panel data of SMEs in Jiangsu province from 2007 to 2013 in BvD Asia-Pacific Enterprise analysis database,this paper analyzes the relationship between the competition degree in banking industry and the credit availability of SMEs,and explores the important regulatory role played by market size structure.The results show that market size structure is an important factor affecting the relationship between the degree of banking competition and the availability of credit for SMEs.When large banks dominate the credit market,the improvement of competition is conducive to the financing of SMEs,and the credit availability of SMEs increases monotonously with the competition of banking industry.When small banks dominate the credit market,there is an inverted U-shaped relationship between the credit availability of SMEs and the degree of market competition.The existing research conclusions on the relationship between banking competition and SMEs financing are quite controversial,and the neglect of the key factor of market size structure may be an important reason for the great divergence in existing research.

关 键 词：银行业竞争程度 中小企业 融资 信贷可获性 市场规模结构 信贷市场 金融体制改革 

分 类 号：F832.4[经济管理—金融学]