| 商业银行竞争对小企业信贷可获性的影响 |
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| 引用本文： | 秦捷,钟田丽.商业银行竞争对小企业信贷可获性的影响[J].东北大学学报(自然科学版),2011,32(10):1512-1516. |
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| 作者姓名： | 秦捷 钟田丽 |
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| 作者单位： | 东北大学工商管理学院,辽宁沈阳,110819 |
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| 基金项目： | 教育部高等学校博士学科点专项科研基金资助项目(20090042110033); 辽宁省社科规划基金资助项目(L08DJY095) |
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| 摘 要： | 将企业转换贷款银行成本的增加作为衡量商业银行竞争程度提高的指标,考虑企业投资项目收益、企业项目成功概率、企业垫付资金成本及银行对于不同规模的企业所设置的差别利率对小企业信贷可获性的影响,构建商业银行竞争影响小企业信贷可获性的分析模型,探讨商业银行竞争程度提高是否有利于小企业信贷可获性增加.研究结果表明,随着商业银行竞争程度提高,银行贷款项目的风险水平上升,贷款客户中的小企业比例下降,竞争加剧不利于小企业信贷可获性增加.最后以我国2009年信贷激增为例进行了案例分析,验证了所提模型的有效性.
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| 关 键 词： | 商业银行竞争 小企业 信贷可获性 转换银行成本 差别利率 |
Effect of Commercial Banks Competition on Credit Availability for Small Enterprises |
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| QIN Jie,ZHONG Tian-li.Effect of Commercial Banks Competition on Credit Availability for Small Enterprises[J].Journal of Northeastern University(Natural Science),2011,32(10):1512-1516. |
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| Authors: | QIN Jie ZHONG Tian-li |
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| Institution: | QIN Jie,ZHONG Tian-li(School of Business Administration,Northeastern University,Shenyang 110819,China.) |
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| Abstract: | An analytic model on effect of commercial banks competition on credit availability of small enterprises was constructed to discuss whether the increase of commercial banks competition degree is favorable for the improvement of credit availability of small enterprises or not.In the model,the cost of switching bank of the enterprise was selected as an index to measure the commercial bank competition degree,and other four factors,i.e.,enterprise income on investment projects,probability of success of enterpris... |
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| Keywords: | commercial banks competition small enterprises credit availability cost of switching bank differential interest rate |
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