小微企业融资的“小银行优势”:一般假说与我国适用

Small Bank Advantage of Financing for Small and Micro Enterprises:General Hypothesis and Applicability in Our Country

小微企业的融资问题长期以来一直是世界性难题,国外学者通过对中小企业融资问题研究,提出了"小银行优势"假说。在我国,小微企业对我国经济作出的贡献与其金融地位极不对称。由于国情不同,"小银行优势"假说在我国的适用性值得探讨。本文通过对我国不同规模银行小微企业融资现状的分析,发现小银行相对于大银行更倾向于小微贷款。而对不同规模银行支持小微企业融资效率的实证分析也显示出小银行的效率更高。因此,"小银行优势"假说同样适用于我国,但需要结合我国小微企业的具体融资问题,推行具有针对性的应对之策。

Small micro-enterprise financing problem has long been a worldwide problem.Foreign scholars proposed a 'Small Bank Advantage' hypothesis by studying on SME financing.In China,the contribution of small and micro businesses to China's economy and their financial position is extremely asymmetric.Due to different national conditions,this article focuses on the applicability of 'Small Bank Advantage' hypothesis in our country.By analyzing the current situation of different-sized banks to finance small and micro enterprise,we found that small banks prefer to small and micro loans when compared with big banks.Then the empirical result of different-sized banks to support small and micro enterprise,shows a higher efficiency of small banks.Therefore,we believe that 'Small Bank Advantage' hypothesis also applies to our country.This article puts forward relevant suggestions on how to solve the financing problem of small and micro enterprises.