银行规模与林业专业合作社贷款技术选择——基于小银行优势理论

Bank Size and Forestry Professional Cooperatives’Choice of Loan Technology——Based on the Small Bank Advantage Theory

文章采用福建省县域调查数据,衡量金融机构对林业专业合作社贷款技术的应用程度,探究不同规模银行对林业专业合作社贷款技术的选择及其差异。实证结果表明:银行对林业专业合作社贷款技术的选择按照应用程度由高到低依次分为:抵押型、信用评级型、担保型、关系型和财务报表型;银行对林业专业合作社贷款时,会将关系型贷款技术与交易型贷款技术结合使用,且不同规模银行对关系型贷款技术和交易型贷款技术的选择存在显著差异,"小银行优势"理论得到验证。有融资需求的林业专业合作社,在完善自身诸如抵押品、信用担保等硬信息条件的同时,应当注重自身软信息的积淀,以搭建与小银行的金融联系。此外,小银行贷款对于缓解林业专业合作社的信贷约束困境具有积极意义,政府部门应进一步优化金融市场结构,健全金融法规,为贷款技术的推广应用和创新提供良好的市场环境和制度保障。

Based on the county survey data of Fujian Province,this paper measures the degree of financial institutions’application of FPCs’loan technology,and explores the choice and difference of FPCs loan technology by banks of different sizes.The empirical conclusion shows that the bank’s choice of loan technology for FPCs in descending order of application is:mortgage type,credit rating type,guarantee type,relationship type and financial statement type.When banks loan to FPCs,they will combine the relationship load technology with the transactional loan technology,and banks of different sizes have significant differences in the choice of this two.The theory of"small bank advantage"has been verified.In view of the above conclusions,FPCs with financing needs should pay attention to the accumulation of their own soft information in order to establish financial links with small banks while improving their own hard information conditions such as collateral and guarantee.In addition,small banks have positive significance to alleviate the credit constraints of FPCs.The government departments should further optimize the financial market structure,improve financial regulations,and provide better market environment and institutional guarantee for the application and innovation of loan technology.