商业银行中小微企业信贷产品供求匹配问题研究

On Matching the Supply and Demand of Credit Products between Small and Medium-sized Enterprises and Commercial Banks

金融供给侧改革是目前供给侧结构性改革重要组成部分,如何实现商业银行中小微企业信贷产品的有效匹配是研究的难点之一。文章基于江苏省50家商业银行和680家中小微企业的调查和走访研究信贷产品匹配问题,并运用有序Probit模型进行了实证检验。研究结果表明,固定资产抵押和担保融资两类信贷产品的供给和实际使用匹配度最高,但与期望需求存在明显供求错配,动产及无形资产类产品供求弹性较大,互联网金融产品期望水平最高。因此商业银行应当提高产品针对性和创新性以及信贷技术水平,实现有效供给,政府要推动扶持政策的有效落地。

Supply-side reform in finance is important in the nation's supply-side reform. To realize the effective supply of financial demand for small and medium-sized enterprises by commercial banks is one of the research topics. This article is based on an investigation and the interviews of 50 commercial banks and 680 small and medium- sized enterprises in Jiangsu Province,and Order Probit model is used in this empirical analysis. The results show that the supply and actual use of fixed assets mortgage and guaranteed loans have the highest matching degree,but there is obvious mismatch with the expected demand. The elasticity of supply and demand of movable and intangible assets loans is high,and the Internet financial products are the most expected of all credit products.Therefore,commercial banks should improve supply of specific and innovative credit products as well as the level of credit technology,and ultimately realize effective supply.