银行小微企业贷款的效率比较与路径选择——基于江苏省2014—2018年贷款的实证检验

Efficiency Comparison and Path Selection of Bank Loans to Small and Micro Enterprises: Based on the Empirical Test of Loans from 2014 to 2018 in Jiangsu Province

解决小微企业"融资难"与"融资贵"问题是银行支持实体经济的核心任务之一。运用DEA模型,对2014-2018年江苏省各类银行的小微企业贷款效率进行比较研究。研究发现:小微企业更容易从小型银行获得融资,但融资利率高;大中型银行融资利率较低,但对客户的要求高。从"融资难"和"融资贵"两方面考量,国有银行、股份制银行和城商行的小微企业服务综合效率更高。基于此,提出改善小微企业金融服务制度环境、强化银行服务小微企业的监管导向等有针对性的对策建议。

It is one of the core tasks for banks to solve the problem of "financing difficulty" and "expensive financing" for small and micro enterprises(SME). This paper built DEA model to compare the loan efficiency of SME of various banks in Jiangsu province from the year of 2014 to 2018. The research found that: SME are easier to obtain financing from small banks, but the financing interest rate is high;Medium and large banks have low financing rates but high customer requirements. Considering the two aspects of "financing difficulty" and "expensive financing", the comprehensive service efficiency of state-owned banks, joint-stock banks and urban commercial banks for SME is higher. Based on this, the paper put forward targeted countermeasures and suggestions to improve the system environment of financial service for SME and strengthen the supervision orientation of bank service for SME.