经济问题
經濟問題
경제문제
On Economic Problems
2012年
7期
111~114
,共null页
银企关系 中小企业融资 贷款利率 关系型借贷
銀企關繫 中小企業融資 貸款利率 關繫型藉貸
은기관계 중소기업융자 대관리솔 관계형차대
relationship between banks and SMEs; SMEs financing; interest rate; relationship lending
通过对江苏徐州和广西柳州典型样本的调研发现，在中小企业贷款中，实际上存在着“绑定效应”，当中小企业在银行的贷款占自己资金缺口的比重较大时，出于风险控制和攫取更多剩余的目的，银行会提高贷款利率；当中小企业的融资渠道较多时，银行贷款利率反而因为中小企业的融资需求旺盛而提高。用中小企业与银行的合作年限、中小企业在该银行贷款比重等进行衡量的银企关系深度越强，中小企业银行贷款利率反而越高，而用中小企业在银行开办的其他业务数量来衡量的银企关系的广度越强，中小企业贷款的利率则会越低。
通過對江囌徐州和廣西柳州典型樣本的調研髮現，在中小企業貸款中，實際上存在著“綁定效應”，噹中小企業在銀行的貸款佔自己資金缺口的比重較大時，齣于風險控製和攫取更多剩餘的目的，銀行會提高貸款利率；噹中小企業的融資渠道較多時，銀行貸款利率反而因為中小企業的融資需求旺盛而提高。用中小企業與銀行的閤作年限、中小企業在該銀行貸款比重等進行衡量的銀企關繫深度越彊，中小企業銀行貸款利率反而越高，而用中小企業在銀行開辦的其他業務數量來衡量的銀企關繫的廣度越彊，中小企業貸款的利率則會越低。
통과대강소서주화엄서류주전형양본적조연발현，재중소기업대관중，실제상존재착“방정효응”，당중소기업재은행적대관점자기자금결구적비중교대시，출우풍험공제화확취경다잉여적목적，은행회제고대관리솔；당중소기업적융자거도교다시，은행대관리솔반이인위중소기업적융자수구왕성이제고。용중소기업여은행적합작년한、중소기업재해은행대관비중등진행형량적은기관계심도월강，중소기업은행대관리솔반이월고，이용중소기업재은행개판적기타업무수량래형량적은기관계적엄도월강，중소기업대관적리솔칙회월저。
SME financing is one of the current hot issues. It is generally believed that, effective relationship between banks and SMEs can reduce the loan collateral requirements of SMEs, and effectively reduce the loan interest rate. However, through the Jiangsu Xuzhou and Guangxi Liuzhou typical sample surveys, the study found that, in the SMEs＇ loans, actually exist ＂binding effect＂. When loans accounted for a larger proportion of the funding gap at SMEs, for risk controlling and grabbing more surplus value, the bank will raise the loan rates. When SMEs have more financing channels, bank loan interest rate became higher because of the SMEs＇ exuberant financing demand. The deeper of the relationship depth between banks and SMEs, which measured by the number of years of cooperation and the proportion of loans, the higher of the loan rates; but the wider of the relationship breadth between banks and SMEs, which measured by the number of other business, the lower of the loan rates.
