银行规模、贷款技术与小企业融资

Bank Institution Size, Loan Technology and Small Business Financing

本文基于广东省四地市的小微企业调研数据,将最优银行规模结构引入分析框架,研究不同贷款技术组合下的小微企业融资效率差异。研究发现,依靠硬信息贷款技术来纾解小微企业融资难题的技术路径难如人意,而软信息贷款技术则展现出较强的促进作用。进一步研究发现,大银行机构面向小企业融资不存在贷款技术条件约束,无论硬、软信息贷款技术,大银行机构都有明显的比较优势。本研究发现了背离“小银行优势”的经验证据,软信息贷款技术足以成为联结“大银行机构-小微企业融资”的重要纽带,在良好的区域金融生态环境下更是如此。本研究的结论有助于重新审视适配小微企业融资的银行体系,从而为当下的“一二五”新规提供新的经验支持和理论依据。

Based on the survey data of small and micro enterprises(SMEs)in the four prefectures/cities of Guangdong Province,this paper introduces the optimal bank size structure into the analysis framework to study the financing efficiency difference among SMEs under different loan technology combinations.The study has found that hard information loan technology is unsatisfactory in solving the financing problem of SMEs,but soft information loan technology has shown a strong promotion effect.Further research has found that there is no restriction on financing technology for large banking institutions to finance small businesses.Large banking institutions have obvious comparative advantages in both hard and soft information loan technologies.This study finds empirical evidence that deviates from the empirical evidence of“small bank advantage”.Soft information loan technology is enough to become an important link connecting“big banking institutions and SMEs financing”,especially in a good regional financial environment.The conclusions of this study and its policy recommendations will help to re-examine the banking system that suits the financing of SMEs,thus providing new empirical support and theoretical basis for the current“one-third,two-thirds and half”policy.