【摘要】：文章從上市企業(yè)中選取大型企業(yè)和中小企業(yè)各20家,采用2003年至2012年財(cái)務(wù)報(bào)表數(shù)據(jù),與利率市場(chǎng)化指數(shù)和GDP數(shù)據(jù)進(jìn)行面板數(shù)據(jù)分析。面板數(shù)據(jù)分為大型企業(yè)數(shù)據(jù)和中小企業(yè)數(shù)據(jù)兩組進(jìn)行分析。結(jié)果表明:利率市場(chǎng)化能促進(jìn)企業(yè)融資,對(duì)中小企業(yè)的促進(jìn)作用大于大型企業(yè);由于中小企業(yè)自身?xiàng)l件差以及銀行的制度限制,利率市場(chǎng)化對(duì)于中小企業(yè)融資的促進(jìn)作用并不完全能體現(xiàn);利率市場(chǎng)化本身也存在風(fēng)險(xiǎn)。所以,銀行的服務(wù)應(yīng)該更加多元和簡(jiǎn)化流程,銀行以及機(jī)構(gòu)要加強(qiáng)監(jiān)管和風(fēng)控。市場(chǎng)方面也要完善利率傳遞機(jī)制。這樣才能在經(jīng)濟(jì)平穩(wěn)的同時(shí),方便中小企業(yè)高效融資,促進(jìn)我國(guó)經(jīng)濟(jì)發(fā)展。
[Abstract]:This paper selects 20 large enterprises and 20 small and medium-sized enterprises from the listed enterprises, adopts the financial report data from 2003 to 2012, and analyzes the panel data with the interest rate marketization index and GDP data. Panel data are divided into large enterprise data and small-and medium-sized data two groups of analysis. The results show that the marketization of interest rate can promote the financing of small and medium-sized enterprises, which is more important than that of large enterprises. Due to the poor conditions of SMEs and the institutional restrictions of banks, the promotion of interest rate marketization to SME financing is not fully reflected, and there are risks in interest rate marketization itself. As a result, banks should be more diversified and streamlined, and banks and institutions should strengthen regulation and wind control. The market also wants to perfect the interest rate transmission mechanism. Only in this way can the economy be stable and convenient for SMEs to raise funds efficiently and promote the economic development of our country.
【作者單位】： 天津外國(guó)語(yǔ)大學(xué)國(guó)際商學(xué)院;
【基金】：天津科委戰(zhàn)略規(guī)劃項(xiàng)目(14ZLZLZF00069) 天津外國(guó)語(yǔ)大學(xué)拉美研究中心項(xiàng)目(14LMJJ03)
【分類號(hào)】：F832.5;F276.5;F275
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本文編號(hào)：2312272