对小微企业融资新范式的检验——以江苏省县域地区608家金融机构为例

The Test of New Paradigm of Small- micro Enterprises Financing——Take 608 Financial Institutions in County Areas of Jiangsu Province as an Example

本文采用江苏省13个市52个县608家金融机构2012年末截面数据,从贷款发放量、贷款方式、贷款技术、不良贷款率等方面对不同规模金融机构小微企业放贷现状进行描述分析,以检验小微企业融资新范式在我国县域地区的适用性。研究结果表明:(1)贷款方式以抵押/担保为主,资产保证、保理和融资租赁等交易型贷款技术几乎没有被应用于实践;(2)大银行小微企业贷款发放规模远不及小银行,金融机构规模仍然是影响小微企业信贷可获性的关键因素。因此,适用于某些发达国家的小微企业融资新范式并不适用于我国县域地区。最后本文为提高小微企业信贷可获性、完善农村金融市场结构,提出了有针对性的政策建议。

This paper uses 608 financial institutions in 52 counties and in 13 cities of Jiangsu province at the end of 2012, we describe and analyze loan amount , lending mothod,lending technology, the rate of bad loans and other aspects of different sizes of financial institutions in small -micro enterprise lending , in order to test applicability of small -micro enterprises new financing paradigm in county areas in our country.The results show that:(1) loans are mainly based on mortgage/guarantee, factoring、asset guar-antee and leasing is hardly used in practice;(2) the small-micro enterprises loans scale for large banks is far less than small banks .The scale of financial institutions is the key element to affect small -micro enterprises financing .Therefore , the new paradigm which is suitable for some developed countries is not applicable to county areas in China .Finally, in order to improve small -micro enterprises credit availa-bility and improve rural finance market ,this paper puts forward some pertinent policy suggestions .