CAJ | 학술논문

本文以国内23个大中城市的企业调查数据为样本，实证研究了我国不同地区制度环境背景下中小微企业银企关系特征对企业信贷可得性的影响。结果表明，中小微企业保持较多的关系银行数量能够显著增加其信贷可得性。同时，经济发展水平和法制化环境的改善对中小微企业长期银企关系的正向贷款效应也具有显著促进作用。本文的研究启示在于，适应于我国中小微企业和商业银行保持密切联系的关系借贷技术只有在良好的制度环境中才能发挥积极的作用。
본문이국내23개대중성시적기업조사수거위양본，실증연구료아국불동지구제도배경배경하중소미기업은기관계특정대기업신대가득성적영향。결과표명，중소미기업보지교다적관계은행수량능구현저증가기신대가득성。동시，경제발전수평화법제화배경적개선대중소미기업장기은기관계적정향대관효응야구유현저촉진작용。본문적연구계시재우，괄응우아국중소미기업화상업은행보지밀절련계적관계차대기술지유재량호적제도배경중재능발휘적겁적작용。
Using the enterprise survey data from 23 large and medium - sized cities in China, this paper empiri- cally investigates how the banking relationship characteristics affect MSME credit availability under the back- ground of institutional environment differences. We find the firms that work with more banks have enhanced ac- cess to loans. Our resuhs also show that in the areas with better economic development environment and legal arrangement, the longer bank - firm relationship increases the likelihood that MSME＇s access to financing. These findings suggest that only in a good institutional environment in China the relationship lending technology which adapts to the micro, small and medium - sized enterprises （MSME） and commercial bank can play a positive role.