安徽省中小银行对中小企业融资影响研究

Research on the Influence of Small and Medium-sized Banks on Small and Medium-Sized Enterprises' Financing

本文通过中小银行支持中小企业融资理论分析和中小银行服务中小企业贷款现实数据的引入,论证了中小银行市场定位是中小企业,是符合中小银行发展优势的。结合安徽省中小银行支持中小企业贷款实际数据进行了实证分析,论证了中小银行发展规模与中小企业获取信贷借款的显著正向关系。最后站在中小银行角度对如何支持中小企业融资提出有效性对策建议。

Through a theoretical analysis of small and medium- sized banks＇support and an introduction of the actual loan datato small and medium enterprises in Anhui province, this paper argues that the market positioning of small and medium- sized banks is to provide service for small and medium -sized enterprises, which conforms to the development priority of small and medium - sized banks. Based on the actual loan data, this paper proves that there exists obvious positive relationship between the development scale of small and medium - sized banks and the credit loan that small and medium - sized enterprises can obtained. In the end, this paper puts forward effective sug- gestions on how to support small and medium - sized enterprises＂ financing from the view of small and medium - sized banks.