中小企业信贷可得性的影响因素

本文利用中国人民银行征信系统的相关数据,实证研究湖南地区中小企业信贷可得性的影响因素,以检验银行对中小企业的贷款技术。实证结果表明:大型和跨区域性银行对中小企业未采取关系型贷款;贷款银行对中小企业的财务特征不太重视;大型和跨区域性银行对中小企业贷款主要采用信用评分技术。作者建议:第一,整合信息资源,发展独立的信用评估机构对中小企业进行信用评估,降低大型和跨区域性银行对中小企业贷款成本和信息不对称程度;第二,大力发展区域性中小商业银行,并鼓励其形成和充分发挥对中小企业进行关系型贷款的比较优势。

Factors to Impact the Credit Availability of SMEs

With the data in the credit system of the People’s Bank of China, this paper empirically researches the factors to impact the credit availability of the SMEs in Hunan Province and examines the technology of bank lending to SMEs. The empirical results show that large-scale and cross-regional banks have not provided relationship loan for SMEs; the banks pay little attention to the financial characteristics of SMEs; the main technology of large-scale and cross-regional banks leading to SMEs is credit score. The author’s suggestions are, first, to integrate information resources and develop independent credit rating agencies for SMEs credit assessment so as to reduce asymmetric information between the large-scale and cross-regional banks and the costs of the loans to SMEs; second, to make efforts to develop small and medium-sized regional commercial banks and encourage the banks to form and utilize their comparative advantages of relationship loan for SMEs.