Economic Theory and Business Management
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LIU Xiao-guang1 ,GOU Qin2
Online:
Published:
刘晓光1,苟琴2
基金资助:
本文得到北京市社会科学基金研究基地项目(15JDSHC011)的资助。
Abstract:
This paper examines the relationship between banking structure and SME (small and medium enterprises) finance in China, based on a firm level survey data from World Bank and a bank sector data from China Bank Regulatory CommissionWe find that there is a Ushaped relationship between banking structure and SMEs credit rationing and the present level of banking structure in China stays slightly above the optimal levelIn addition, our research finds that the rising role of jointstock commercial banks in substituting the largest stateowned banks cant supply as a remedy to solve SMEs financing problemTherefore, promoting the development of small financial institutions is the effective way to support SMEs financing.
Key words: banking structure , small financial institutions , SME finance
摘要:
本文结合世界银行关于中国中小企业的调查数据和中国银监会发布的银行业分布数据,分析了银行业结构与中小企业融资的关系。本文发现:银行业结构与中小企业受到信贷配给的概率呈现“U型”关系,即存在最优水平的银行业集中度使中小企业受到信贷约束的概率最低。根据本文研究,我国银行业集中度总体上高于最优水平,但不同地区又有所差异。本文还发现,考察银行业集中度不能只关注国有大型商业银行比重的下降,大型股份制商业银行比重的替代性上升也没有有效解决中小企业融资难的问题。因此,鼓励发展中小金融机构,才是支持中小企业融资的有效途径。
关键词: 银行业结构 , 中小金融机构 , 中小企业融资
LIU Xiao-guang1,GOU Qin2. THE IMPACTS OF BANKING STRUCTURE ON SME FINANCE[J]. Economic Theory and Business Management.
刘晓光1,苟琴2. 银行业结构对中小企业融资的影响*[J]. 经济理论与经济管理.
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URL: http://jjll.ruc.edu.cn/EN/
http://jjll.ruc.edu.cn/EN/Y2016/V36/I6/58