摘要
关系型贷款被认为是解决中小企业融资难的有效方式之一,其本质是银行与企业的合作,能有效提高中小企业信贷可得性和降低贷款成本等,成为了银企关系的基础。本文结合我国中小企业融资现状,利用Heckman模型通过实证分析发现企业规模、企业年龄、第一股东持股比例、企业逾期未偿还贷款数量以及关系银行数量和银行提供服务数量等数据指标与中小企业关系型贷款违约存在一定关系,并从银行金融机构、中小企业自身、政府三个层面提出了防范中小企业关系型贷款违约措施,以促进中小企业与银行业可持续发展。
Relationship lending, as a cooperation form between bank and enterprise, is considered as one of the most effective way to solve financing difficulties of small and medium-sized enterprises, which can effectively improve the availability of credit for SMEs and reduce loan costs, it has become the foundation of the relationship between banks and enterprises. Based on the credit situation of SMEs from commercial banks, by using Heckman model and empirical analysis, it is found that the size of the enterprise, the age of the enterprise, the shareholding ratio of the first shareholder, the number of overdue loans and the number of related banks and the number of services provided by the bank have certain relationship with the default of SMEs relationship lending. In this paper, to promote the sustainable development of SMEs and the banking industry, countermeasures are proposed from three aspects such as the bank, SEMs and the government.
引文
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