CAJ | 학술논문

本文以2004-2010年深交所中小企业板上市公司的数据作为研究样本，采用非平衡面板数据分析方法建立计量经济模型，考察我国银行业市场结构对银企关系的影响。实证结果显示：（1）我国银行业市场结构与银企关系度之间呈现“倒U型效应”；（2）运行状况良好，但缺乏国有背景的企业更愿意与银行保持良好关系；（3）在经济发展不活跃的地区，银行与企业都更注重银企关系的培养；（4）但不同规模的银行对银企关系并无显著影响。本文研究结果表明，在我国二元金融结构下，关系型贷款是银行业集中程度较高地区的银行向中小企业发放贷款的重要技术。
본문이2004-2010년심교소중소기업판상시공사적수거작위연구양본，채용비평형면판수거분석방법건립계량경제모형，고찰아국은행업시장결구대은기관계적영향。실증결과현시：（1）아국은행업시장결구여은기관계도지간정현“도U형효응”；（2）운행상황량호，단결핍국유배경적기업경원의여은행보지량호관계；（3）재경제발전불활약적지구，은행여기업도경주중은기관계적배양；（4）단불동규모적은행대은기관계병무현저영향。본문연구결과표명，재아국이원금융결구하，관계형대관시은행업집중정도교고지구적은행향중소기업발방대관적중요기술。
This paper uses the data from Shenzhen SME board listing Corporation during 2004 and 2010 to investigate the impact of China＇s banking market structure to the relationship of bank and small and medium - sized enterprises, with an unbalanced panel data model. The empirical results show that ：（ 1 ） the relationship between market structure of China＇s banking industry and small and medium - sized enterprises is ＂ reverse U effect＂ ; （2）the enterprises which operate in good condition, but lack of state -owned background tend to keep good relationship with Banks ; （ 3 ） in the regions where economic develop less active, banks and enterprises pay more attention to bank - enterprise relationship ; but the different scale banks had no significant effect on the relationship between banks and enterprises. The results show that, in our country with dual financial structure, relationship lending is an important technology for the bank lending to small and medium - sized enterprises in the regions with high concentration degree.