银行业规模结构、中小企业银行信贷与经济增长

Banking Structure,SME Credit and Economic Growth

如何缓解中小企业信贷困境始终困扰着中国的金融监管当局。本文选取中国各地区1999年-2007年工业企业的面板数据,具体考察了银行业规模结构对中小企业银行信贷的影响。结果显示,相比大型企业,中小企业获得的银行贷款更少、期限结构更短。同时,研究发现随着中小银行市场份额的上升,中小企业与大型企业之间银行信贷的差异随之缩小。这表明,在我国经济转型期间,大力发展中小银行有助于缓解中小企业的融资困境。进一步研究发现中小银行市场份额的扩大显著促进了经济增长。

How to alleviate the dilemma of SME credits has plagued Chinese financial supervision and regula- tion authorities. Based on the panel data of industry enterprises from all regions of China between 1999 and 2007, this paper studies the relationship between banking structure and SME credits. The result shows that SME credit is less amount and shorter period than the big counterparts, and the difference decreases with the increase of market share of small and media banks. Vigorously promoting the development of small and media banks will alleviate the SME credits during the period of economic transition in China. Moreover, the increase of market share of small and media banks significantly promotes the economic growth.