摘要
小微企业的融资需求满足离不开商业银行的精准信贷支持,但是既有研究较少从金融科技视角关注两者的匹配情况。基于全国5个省份(自治区)508份银行样本和2148份小微企业样本数据,对银企信贷供求匹配度进行测量,并在此基础上构建了金融科技应用、创新水平、银企信用共识度、金融监管和银企信贷供求匹配度之间关系的理论模型。实证分析结果表明:金融科技应用正向影响银企信贷供求匹配度;创新水平和银企信用共识度在其中起部分中介作用;金融监管不仅负向调节金融科技应用与创新水平之间的关系,还负向调节金融科技应用对银企信贷供求匹配度的作用路径。研究结论丰富和拓展了银企信贷供求匹配度的测量及影响因素的相关研究,为促进金融科技缓解小微企业融资难提供了科学决策依据。
The credit needs of small and micro enterprises(SMEs)cannot be met without the precise support of commercial banks,but existing research has paid less attention to the matching situation between banks and SMEs from the perspective of financial technology(Fintech).Based on 508 bank samples and 2148 SMEs sample data from 5 provinces(autonomous regions)across the country,this paper measured matching degree of credit supply and demand between banks and SMEs.Based on this,this paper constructed a theoretical model of the relationship between Fintech application,innovation level,bank enterprise credit consensus,financial regulation,and matching degree of credit supply and demand between banks and SMEs and provided an empirical analysis and test.The results indicate that the application of Fintech has a positive impact on the matching degree of credit supply and demand between banks and SMEs;innovation level and credit consensus between banks and enterprises play a partial mediating role in it;financial regulation not only negatively regulates the relationship between the application of Fintech and innovation level;but also negatively regulates the role path of Fintech application in matching degree of credit supply and demand between banks and SMEs.The research conclusion enriches and expands the measurement of the matching degree of credit supply and demand between banks and enterprises and the related research on influencing factors,and provides a scientific decision-making basis for promoting Fintech to alleviate the financing difficulties of SMEs.
作者
文学舟
孙浩
袁仕陈
WEN Xuezhou;SUN Hao;YUAN Shichen(School of Business,Jiangnan University,Wuxi,Jiangsu 214122,China;School of Finance and Economics,Jiangsu University,Zhenjiang,Jiangsu 212013,China)
出处
《贵州财经大学学报》
CSSCI
北大核心
2024年第6期48-56,共9页
Journal of Guizhou University of Finance and Economics
基金
国家社会科学基金一般项目“金融科技破解小微企业信贷供求错配困境的作用机制及实现路径研究”(22BGL065)。
关键词
金融科技应用
创新水平
金融监管
银企信贷供求匹配度
银企信用共识度
financial technology applications
innovation level
financial regulation
matching degree of credit supply and demand between banks and SMEs
degree of credit consensus between banks and SMEs