摘要
本文基于上市中小企业2008年银行贷款数据,对我国银行规模和上市中小企业贷款之间的关系进行了实证。结果表明:小银行能够通过之前存续的贷款关系发放关系型贷款;上市中小企业倾向于与多家银行保持贷款关系;相对于大银行,小银行同上市中小企业的银企关系度更弱。基于以上实证结果,我们大胆得出结论:在中国,小银行不应将优质上市中小企业作为贷款对象。
Based on the bank loan data on Chinese listed small-and-medium-sized enter- prises, this paper empirically studies the interrelation between bank size and SME lending in China. We find that Small banks do have a comparative advantage in processing soft in- formation. However, these listed firms tend to establish lending relationships with several banks. These results indicate that, informational transparent SMEs should never be small hanks＇ main lending clients.
出处
《南开经济研究》
CSSCI
北大核心
2013年第2期94-111,共18页
Nankai Economic Studies
基金
西南财经大学"211工程"三期青年教师成长项目的资助
关键词
银行规模
软信息
关系型贷款技术
Bank Size
Soft Information
Relationship Lending Technology
