中国中小企业贷款成本影响因素的实证分析

利用某商业银行在2013—2015年的中小企业贷款数据,通过多元回归分析研究了银企关系特征、贷款特征、企业特征和区域特征对中小企业贷款成本的影响,并深入探讨了上述影响在不同区域的差异。结果表明:银企关系持续时间越长,中小企业的贷款成本越低;企业的所有制类型、区域特征对其贷款成本有显著影响,其中国有企业的贷款成本低于私营企业,东部地区中小企业的贷款成本较高。

Empirical Analysis on Influencing Factors of Loan Cost of Chinese Small and Medium Sized Enterprises

Using some bank's loans data of small and medium-sized enterprises in the period of 2013-2015,this paper studies the impacts of the characteristics of bank-enterprise relationship,loan characteristics,enterprise's characteristics and regional characteristics on loan cost of small and medium-sized enterprises by the multiple regression analysis.Then it studies the regional differences in the above impacts.The results show as follows:the longer the duration of the relationship between banks and enterprises,the lower the loan cost of small and medium-sized enterprise;enterprise's ownership and regional characteristics have significant impacts on loan cost of small and medium-sized enterprise,and the loan cost of private enterprises is less than that of state-owned enterprises,and the loan cost of small and medium-sized enterprises in eastern region is higher than that in other regions.