【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年財務(wù)報表數(shù)據(jù),與利率市場化指數(shù)和GDP數(shù)據(jù)進行面板數(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)兩組進行分析。結(jié)果表明:利率市場化能促進企業(yè)融資,對中小企業(yè)的促進作用大于大型企業(yè);由于中小企業(yè)自身條件差以及銀行的制度限制,利率市場化對于中小企業(yè)融資的促進作用并不完全能體現(xiàn);利率市場化本身也存在風(fēng)險。所以,銀行的服務(wù)應(yīng)該更加多元和簡化流程,銀行以及機構(gòu)要加強監(jiān)管和風(fēng)控。市場方面也要完善利率傳遞機制。這樣才能在經(jīng)濟平穩(wěn)的同時,方便中小企業(yè)高效融資,促進我國經(jīng)濟發(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】： 天津外國語大學(xué)國際商學(xué)院;
【基金】：天津科委戰(zhàn)略規(guī)劃項目(14ZLZLZF00069) 天津外國語大學(xué)拉美研究中心項目(14LMJJ03)
【分類號】：F832.5;F276.5;F275
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本文編號：2312272