商业银行中小企业融资效率及存在问题分析——基于江苏省58家商业银行的数据

The Analysis of the Financial Efficiency and Problems of Commercial Bank for SMEs——Based on the Sample Data of 58 Banks in Jiangsu Province

本文以江苏省为例,采用DEA方法对58家商业银行中小企业贷款业务的效率进行了评价,研究表明,股份制商业银行的效率最高,其后依次为农村商业银行、城市商业银行和国有商业银行。此外,商业银行在中小企业融资方面还存在一些问题,主要是金融产品的拥有率与实际使用率存在较大差距、商业银行小企业贷款的差异化考核政策执行不到位等。

Taking Jiangsu Province as example, this paper uses DEA method to evaluate the efficiency of the bank loans to SMEs with 58 commercial banks. The results show that the efficiency of joint-stock banks is the highest, followed by rural co- mmercial banks, city commercial banks and state-owned commercial banks. In addition, there are some problems in financing of SMEs by commercial banks. For example, there is a big gap between the ownership rate and use rate of financial products, and the policy of different loan assessment on commercial bank of SMEs＇ loan is poor implementation.