CAJ | 학술논문

文章利用世界银行在我国18个城市1186家中小企业调查的样本数据，对我国银企关系与中小企业成长的相关性进行了实证研究，发现样本企业建立关系银行的数量和维持银行关系的时间长度与企业成长具有负相关关系，而中小企业与银行采用关系借贷融资所形成的关系深度与企业的成长却具有显著的正相关性，并在规模较大的企业、非国有企业和处于弱市场竞争环境下的企业群体中有所体现。文章为中小企业关系借贷理论在中国的实践提供了经验证据，揭示了中小企业培育紧密银企关系的应用价值。
문장이용세계은행재아국18개성시1186가중소기업조사적양본수거，대아국은기관계여중소기업성장적상관성진행료실증연구，발현양본기업건립관계은행적수량화유지은행관계적시간장도여기업성장구유부상관관계，이중소기업여은행채용관계차대융자소형성적관계심도여기업적성장각구유현저적정상관성，병재규모교대적기업、비국유기업화처우약시장경쟁배경하적기업군체중유소체현。문장위중소기업관계차대이론재중국적실천제공료경험증거，게시료중소기업배육긴밀은기관계적응용개치。
Based on the survey of World Bank on 1 186 Chinese SMEs of 18 cities, the paper makes an empirical study on the correlation of bank-firm relationship and the growth of SMEs in China. It finds that the numbers of relationship banks and the time of maintaining these relationships have negative effects on the growth of the enterprises. But the relationship degree formed by enterprises＇ collection of credits by using relationship has a positive effect on the growth of the enterprises, especially in larger enterprises, non-state-owned enterprises and groups under weak market competition. The paper provides empirical evidences on the practice of the theory of SMEs＇ relationship lending in China and also reveals the application value of SMEs＇ relationship lending.