【摘要】：中小企業(yè)融資難的問題吸引著國內(nèi)外學者對其進行長期的研究分析,銀行貸款作為我國中小企業(yè)融資的主要來源，對中小企業(yè)的發(fā)展起著至關重要的作用。但是，由于信息不對稱以及融資環(huán)境和制度體系等內(nèi)部和外部原因，目前，我國中小企業(yè)大多采用不動產(chǎn)抵押方式來獲取貸款。關于貸款規(guī)模和抵押品價值、企業(yè)、銀行等因素之間的關系，是國內(nèi)外的研究熱點之一。我國正處于經(jīng)濟轉(zhuǎn)軌時期，有著特殊的體制背景，我國中小企業(yè)和銀行間的抵押貸款與國外相比，存在共性的同時，也有著差異。本文針對我國上市中小企業(yè)不動產(chǎn)抵押貸款進行實證研究，深入揭示影響我國中小企業(yè)抵押貸款的關鍵因素，為銀行業(yè)提供決策依據(jù)。 本文選擇2006年至2010年我國中小企業(yè)板上市公司作為研究樣本，首先對我國中小企業(yè)的融資現(xiàn)狀和抵押貸款發(fā)展情況進行統(tǒng)計分析。建立多元回歸模型，探討了貸款規(guī)模和其相關影響因素之間的關系，分別研究了抵押品價值、企業(yè)因素、宏觀經(jīng)濟因素等方面對貸款金額的影響。研究結果表明，企業(yè)提供的抵押品價值對銀行愿意提供的貸款額度顯著正相關；公司的規(guī)模越大，銀行認為其違約風險越小，因此給企業(yè)的授信額度也越大；在不動產(chǎn)抵押貸款中，企業(yè)的總資產(chǎn)中固定資產(chǎn)占比越大，，企業(yè)可抵押資產(chǎn)規(guī)模越大，銀行更愿意提供貸款；國家的宏觀經(jīng)濟狀況對抵押貸款也存在著顯著影響，當國家經(jīng)濟處在快速發(fā)展階段時，金融市場交易活躍，銀行更愿意進行存貸款活動，且國家大力扶持中小企業(yè)發(fā)展，中小企業(yè)在這種情況下更易取得貸款。
[Abstract]:The problem of financing difficulties for SMEs attracts scholars at home and abroad to carry out long-term research and analysis. Bank loans, as the main source of financing for SMEs in China, play a vital role in the development of SMEs. However, due to asymmetric information, financing environment and institutional system and other internal and external reasons, at present, most small and medium-sized enterprises in China use real estate mortgage to obtain loans. The relationship between loan size and collateral value, enterprises, banks and other factors is one of the hot topics at home and abroad. Our country is in the economic transition period, has the special system background, our country small and medium-sized enterprise and the bank mortgage loan compares with the foreign, has the common character, also has the difference. This paper makes an empirical study on the real estate mortgage loan of listed SMEs in China, reveals the key factors that affect the mortgage loan of small and medium-sized enterprises in China, and provides the decision basis for the banking industry. From 2006 to 2010, this paper selects Chinese SME board listed companies as the research sample, first of all, it makes a statistical analysis on the current financing situation and mortgage loan development of SMEs in China. A multivariate regression model is established to study the relationship between loan size and its related factors, and the effects of collateral value, enterprise factors and macroeconomic factors on the loan amount are studied respectively. The results show that the value of collateral provided by enterprises is significantly positively related to the amount of loans banks are willing to provide, and the larger the size of the company, the smaller the risk of default, and therefore the greater the amount of credit granted to enterprises. In real estate mortgage loans, the larger the fixed assets of enterprises, the larger the scale of mortgageable assets, and the more willing banks are to provide loans; the macroeconomic situation of the country also has a significant impact on mortgage loans. When the national economy is in the stage of rapid development, the financial market transactions are active, banks are more willing to deposit and loan activities, and the state vigorously supports the development of small and medium-sized enterprises, SMEs are easier to obtain loans in this case.
【學位授予單位】：華中科技大學
【學位級別】：碩士
【學位授予年份】：2012
【分類號】：F832.4;F276.3

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