中小企业对申请贷款望而却步的原因分析

摘要笔者利用世界银行投资环境调查的数据,实证分析了中小企业有信贷需求但对申请贷款望而却步的原因。实证结果表明:规模更大、盈利性更好、成长更快的企业不太可能出现对申请贷款望而却步的情况;银企关系是影响中小企业对申请贷款望而却步的重要因素;金融生态(法治环境和诚信文化等)对于银企关系效应的发挥具有显著的促进作用。

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	梁迪

关键词：中小企业借款者银企关系金融生态

Abstract： Using a firm-level dataset from Investment Climate Survey conducted by World Bank, we study the SMEs who are discouraged from applying for bank loans for reasons. Empirical findings indicate that firms which are larger, more profitable and faster-growing are less likely to be discouraged. We also find evidence that bank-firm relationships have a significant impact on the probability of a firm being discouraged. Further analyses show that this impact is even stronger in cities with better ecological environment of finance.

Keywords： SMEs Discouraged Borrowers Bank-Firm Relationship Ecological Environment of Finance

收稿日期 2014-09-10; 接受日期 2014-09-10;

基金资助:教育部人文社会科学研究青年基金项目(10YJC790157);中国博士后科学基金(2012M511737)

作者简介: 梁迪(1981-),男,北京人,中央财经大学金融学院博士研究生,主要从事中小企业金融研究。

引用本文:

梁迪.中小企业对申请贷款望而却步的原因分析[J]. 经济经纬, 2014,5: 156-160

LIANG Di.Evidence on Borrower Discouragement of SMEs: Effects of Bank-Firm Relationships and Ecological Environment of Finance[J] Economic Survey, 2014,V31(5): 156-160

链接本文:

http://www.jjjw.org.cn/CN/ 或 http://www.jjjw.org.cn/CN/Y2014/V31/I5/156