银行业竞争、村镇银行发展与小微企业信贷可得性——基于江苏省县域面板数据的分析

Banking Competition, Rural Banking Development and the Loan Availability of Small & Micro-Enterprises——An Analysis Based on the County Panel Data of Jiangsu Province

本文利用江苏省45个县(市)2009~2013年经济金融相关数据,研究银行业竞争与村镇银行的发展如何影响小微企业的信贷可得性。结果表明,银行业竞争程度的提升有利于提高小微企业信贷可得性;村镇银行发展对银行业竞争与小微企业信贷可得性的关系具有正向调节作用,村镇银行发展状况越好,当地小微企业信贷可得性也越高。

This paper uses the economic and financial data of 45 counties(cities) of Jiangsu province to analyze how the banking competition and rural banking development influence the loan availability of small & micro-enterprises. The results of the paper show that the increase in banking competition will improve the loan availability; rural banking development has positive regulatory effects on relationship between the banking competition and the loan availability of small &micro-enterprises; the better the rural banking development, the higher the loan availability of local small & micro-enterprises.