银企关系与中小企业贷款成本——基于对江苏东台和安徽滁州中小企业的调研

本文基于中小企业一手调研数据进行经验性研究,分析关系型信贷中的重要影响因素——银企关系对中小企业贷款成本的影响,并提出政策建议。研究发现,在银行信贷中,中小企业处于劣势地位,银企关系的加深并不必然降低中小企业贷款利率。中小企业对于银企关系也存在一定的抵触情绪,从而人为阻断与银行关系的进一步加深。

Relationship between Banks and SMEs and the Cost of Financing

This paper presents empirical researches based on primary data concerning SMEs(small and medium sized enterprises) in medium-developed regions.It mainly analyzes the influence of the relationship between banks and SMEs upon the cost of financing with SMEs and puts forward suggestions concerning relevant policy making.It is discovered that in bank lending the SMEs are at a disadvantageous position.The deepening of relations between banks and SMEs does not necessarily reduce the lending rates for SMEs.Thus th...