信贷政策调整对金融支持小微企业的影响研究——基于面板模型的分析

The Effect of Credit Policy Adjustment on Financial Support to Micro and Small Enterprises ——Based on the Analysis of Panel Model

本文从西安地区四类26家银行机构小微企业信贷业务开展的实际出发,利用2009—2012年西安市各类金融机构的基本数据,构建了信贷政策调整与小微企业金融支持之间的固定效应面板计量模型,实证分析了信贷政策调整对西安小微企业金融支持的影响。实证研究发现,信贷政策调整对银行业支持小微企业的力度是有影响的,但不同类型银行对其反应及反应度是不相同的。同时本文提出相关建议,以促进银行小微企业信贷业务良性开展。

Based on the credit business of micro and small enterprises of 26 commercial banking institutions which belong to 4 categories, using the basic data of all types of financial institutions from 2009 to 2012, the paper sets up a fixed-effect panel econometric model between credit policy adjustment and financial support to micro and small enterprises, and makes an empirical analysis on the effect. The study finds that the credit policy adjustment affects the degree of banking support to micro and small enterprises, yet the different types of banks have the different reactions. Aiming at the difference, the paper puts forward relevant policy suggestions to promote the sound development of banking credit business of micro and small enterprises.