中小企业信贷支持影响因素分析——基于内陆欠发达地区个案的实证研究

Analysis about the Impact Factors of SMEs Credit Support ——Based on Case Empirical Research of Inland Underdeveloped Region

中小企业的信贷需求与商业银行"惜贷"间存在矛盾与冲突。基于商业银行信贷支持的规模与中小企业经营状况的视角,以内陆欠发达地区安徽蚌埠的样本对象,运用因子分析及横截面多元回归方法找出影响银行对中小企业信贷支持规模的因素,并定量分析它们之间的关系。通过实证分析,发现商业银行的信贷规模与资产规模、负债额、息税前利润、所有者权益、利润总额、主营业务利润、应交所得税正相关,其中息税前利润是最主要的影响因素,说明商业银行在对中小企业的放贷上存在着明显的收益倾向特征。

There are contradictions and conflicts between SMEs＇ credit demand and behavior of commercial bank which commercial banks are willing not to make loan to SMEs. Based on the perspectives of bank credit sup- port scale and SMEs＇ business circumstance and samples from Bengbu of inland underdeveloped region , using the factor analysis and cross - sectional multiple regression analysis methods to analyze what factors affect SMEs＇ credit scale and the quantitative relationship between them. Through empirical analysis, found that there is positive corre- lation between commercial bank credit scale and asset scale, liabilities, EBIT, owners＇equity, total profit, operat- ing profit, and income tax. EBIT is the main interest influence factors among them, which means there are obvious characteristics of profitable tendency when lending to SMEs.