摘要
研发创新是中小企业提升自身价值和实现持续发展的关键,信贷支持是中小企业研发创新项目重要资金来源。本文通过对银行竞争和不同类型银行机构对中小企业研发创新的影响进行实证分析,得出:县域内银行间竞争的增大有利于促进中小企业研发创新行为;相比于中型企业,银行竞争的增大更有利于激发小型企业研发创新行为;按照从国有银行、农村合作金融机构、城市商业银行至股份制商业银行的顺序,不同类型银行机构对中小企业研发创新的促进作用依次增强。最后,给出了相关政策建议。
R＆D innovation is the key to SMEs＇ promotion of their own value and sustainable development. Credit support is an important source of funding for SME R＆D and innovation projects. This paper empirically analyzes the impact of banking competition and different types of banking institutions on SMEs＇ R＆D innovation. We have come to the conclusion that the increase in intra-county competition among banks is conducive to the promotion of innovation and development of SMEs ; compared with medium-sized companies, the increase in bank competition is more conducive to inspiring small companies to develop innovative behaviors.;in accordance with the order of state-owned banks, rural cooperative financial institutions, city commercial banks, and joint-stock commercial banks, the promotion role of different types of banking institutions in the development of small and medium-sized enterprises was enhanced. Finally, we give relevant policy recommendations.
出处
《浙江金融》
2018年第3期40-47,共8页
Zhejiang Finance
