银行资产规模与中小企业信贷——大银行和小银行比较优势研究

Scale of Bank Assets and SME(Small and Medium-sized Enterprises) Credit—Studies on Comparative Advantages of Big Bank and Small Bank

本文通过对影响中小企业贷款因素的动态分析,考察了在银行资产规模扩大过程中中小企业贷款的变化,弥补了小银行在中小企业信贷中存在组织优势这一观点的不足。笔者在考虑信贷市场结构、贷款技术和金融基础设施的基础上,构建了一个解释银行对中小企业贷款不同模式的理论框架。笔者认为,银行规模扩大本身并不必然导致中小企业的融资困境,中小企业关系型贷款和交易型贷款之间存在着互补关系,而不完全是替代关系,多样化的融资方式有利于改善中小企业的融资环境。

This thesis takes a research on the change of SME loan in the scale expansion of bank assets by analyzing the factors influencing SME loan. The research has made up the viewpoint that only small bank has organizational advantages in SME credit. On the basic research of credit market structure, loan technologies and financing facilities, the thesis constructs a theoretical framework to explain the different mode of loan. The thesis takes the opinion that bank expansion does not necessarily lead to difficulties on SME＇s financing. As for SMEs, since transaction-based loan and relationship loan complement each other, they can take multiple modes of financing to perfect their financing environment.