已改-中小银行小微企业贷款业务研究——杜欣蓉 金融143班 VIP免费

摘要对于小微企业来说，要想实现进一步发展，首要的任务是解决贷款这一难题，为企业的发展提供足够的资金保障。最近几年，一些业内人士在研究后分分得出这样的结论：在为小微企业提供具体的贷款业务方面，中小银行发挥的作用往往更大。本文第一部分即简要阐述中小银行给小微企业提供贷款业务的可行性，然后探究小微企业贷款难的根本原因，并在总结前人经验的基础上，运用理论与实证相结合的方法对小微企业贷款领域的“小银行优势假说”进行了检验，得出中小银行市场份额的提高会使小微企业更易获得贷款支持的结论，又运用统计数据进一步验证了实证结果的合理性。最后本文根据研究结果对相关主体提出了合理建议。关键词：小微企业贷款中小银行小银行优势实证检验AbstractLoandifficultiesareamajorfactorlimitingthedevelopmentofsmallandmicroenterprises.Inrecentyears,manyscholarshavefoundthroughresearchthatsmallandmedium-sizedbankshavemoreadvantagesthanlargebanksinhelpingsmallandmicroenterprises.Thisarticlefirstelaboratedonthebackgroundandsignificanceoftheresearchonsmallandmicroenterpriselendingbusinessofsmallandmedium-sizedbanks.Secondly,itanalyzedthecurrentstatusandcausesofthedifficultyofloanfinancingforsmallandmicroenterprises.Basedontheexperienceofpreviouspeople,itusedacombinationoftheoreticalandempiricalmethods.The“smallbankadvantagehypothesis”inthefieldofsmallandmicroenterpriseloanswastested,anditwasconcludedthattheincreaseinthemarketshareofsmallandmedium-sizedbankswouldmakeiteasierforsmallandmicroenterprisestoobtainloansupportconclusions.Statisticaldatawasusedtofurtherverifytherationalityoftheempiricalresults.Finally,basedontheresultsoftheresearch,thisarticleputforwardreasonablesuggestionsforrelatedsubjects.Keywords:smallandmicrobusinessloans,smallandmediumbanks,smallbankadvantages,empiricaltest目录摘要....................................................................IABSTRACT...............................................................II目录..............................................................III1绪论.................................................................1研究背景及意义......................................................1研究对象的界定......................................................22文献综述.............................................................2小银行优势假说......................................................2小银行优势争议......................................................33小微企业融资现状分析.................................................4小微企业融资现状....................................................4小微企业融资难原因..................................................54中小银行对小微企业融资的影响.........................................6“小银行优势”的理论分析............................................6“小银行优势”的实证检验............................................75中小银行开展小微企业贷款业务现状分析................................115.1小微企业贷款规模................................................115.2小微企业贷款占比................................................125.3小微企业贷款增速................................................136政策建议............................................................146.1对小微企业的建议................................................146.2对中小银行的建议................................................14参考文献...............................................................16致谢...........................................