中小银行小微企业贷款业务研究——杜欣蓉 金融143班.pdfVIP

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 I Abstract Loan difficulties are a major factor limiting the development of small and micro enterprises. In recent years, many scholars have found through research that small and medium-sized banks have more advantages than large banks in helping small and micro enterprises. This article first elaborated on the background and significance of the research on small and micro enterprise lending business of small and medium-sized banks. Secondly, it analyzed the current status and causes of the difficulty of loan financing for small and micro enterprises. Based on the experience of previous people, it used a combination of theoretical and empirical methods. The “small bank advantage hypothesis” in the field of small and micro enterprise loans was tested, and it was concluded that the increase in the market share of small and medium-sized banks would make it easier for small and micro enterprises to obtain loan support conclusions. Statistical data was used to further verify the rationality of the empirical results. Finally, based on the results of the research, this article put forward reasonable suggestions for related subjects. Keywords: small and micro business loans, small and medium banks, small bank advantages, empirical test II 目 录 摘要 I ABSTRACT II 目 录 III 1 绪论 1 1.1 研究背景及意义 1 1.2 研究对象的界定 2 2 文献综述 2 2.1 小银行优势假说 2 2.2 小银行优势争议 3 3 小微企业融资现状分析 4 3.1 小微企业