关键词: 银行资本 , 小微企业贷款 , 双重差分模型

Abstract: This paper discusses the possible paths to solve the problem of small and microsized enterprise financing difficulty from the perspective of bank capitalThe new capital regulatory framework requires small and microsized enterprise loan a favorable risk weighting，which can be regarded as a “natural experiment”This paper studies the relationship between the quality of bank capital and the small and microsized enterprise loan and probes into the theory of “small bank advantage” with the DID modelThe empirical analysis yields the following resultsFirst，the policy that small and microsized enterprise loan has lower risk weighting improves the bank lending for small and microsized enterprise significantly，especially for small banksSecond，before the policy implements，higher quality levels of capital banks will squeeze small and microsized loans，and this is particularly in big banksThird，when the policy implements，the higher capital of bank preference to lend to small and microsized enterprise become stronger and also is remarkable in the big banksTo implement favorable risk weighting in small micro enterprise loan，improve the quality of banks capital and build a multilevel bank financial system can relieve the small and microsized enterprise financing problem effectively

Key words: bank capital , small and microsized enterprise loan , DID model