中小企业贷款利率定价研究——基于银行竞争视角  

Research on the Pricing of Loan Interest Rate of Small and Medium Sized Enterprises:From the Perspective of Bank Competition

作　　者：叶莉[1] 房颖 YE Li;FANG Ying(School of Economics and Management,Hebei University of Technology,Tianjin 300401,China;School of Management Science and Engineering,Shandong Technology and Business University,Yantai Shandong 264005,China)

机构地区：[1]河北工业大学经济管理学院,天津300401 [2]山东工商学院管理科学与工程学院,山东烟台264005

出　　处：《技术经济与管理研究》2021年第5期49-55,共7页Journal of Technical Economics & Management

基　　金：河北省社会科学基金项目(HB20GL021)。

摘　　要：优质中小企业贷款逐渐成为国有银行和中小银行价格竞争的主要空间,明晰国有银行与中小银行价格竞争策略对解决中小企业融资贵问题有重要意义。文章构建商业银行价格竞争的演化博弈模型并进行数值仿真研究,针对中小企业贷款利率定价探究中小银行与国有银行竞争策略的演化轨迹及内外部影响因素。结果表明:在价格竞争视角下,异质性银行竞争对中小企业贷款利率的作用机制主要是通过博弈双方的利益均衡来实现的;提高中小银行软信息分析能力和贷款市场竞争,能够促进中小银行与国有银行实现动态博弈均衡,推动博弈稳定策略向兼顾自主定价与低利率的理想区间转化,一定程度上有助于降低中小企业贷款利率,解决融资贵的难题。High quality loans for SMEs(Small and Medium-sized Enterprises)have gradually become the main space for price competition between state-owned banks and small and medium-sized banks.It is of great significance to clarify the price competition strategies between the state-owned banks and small and medium-sized banks to solve the problem of high financing cost for SMEs.The paper constructs an evolutionary game model of commercial bank price competition and conducts a numerical simulation study to explore the evolutionary track of the competition between small and medium-sized banks and state-owned banks in the pricing of loan interest rates for SMEs and the internal and external influencing factors.The results show that,from the perspective of price competition,the mechanism of heterogeneous bank competition on the loan interest rate of small and medium-sized enterprises is mainly realized through interests balance of both sides of the game.To improve the soft information analysis ability and loan market competition of small and medium-sized banks can promote the realization of dynamic game equilibrium between small and medium-sized banks and state-owned banks,promote the transformation of game stability strategy to an ideal range that takes into account independent pricing and low interest rate,and also help to reduce the loan interest rate of small and medium-sized enterprises and solve the problem of expensive financing.

关 键 词：银行竞争 中小企业 贷款利率定价 

分 类 号：F832.33[经济管理—金融学]