摘要
本文以深市中小板422家中小企业为研究样本,实证分析银企关系与中小企业成长的相关性。研究结果表明:企业成长性与企业维系关系的银行数量以及银企关系维系时间的长度负相关,但与银企关系深度呈正相关;关系型借贷在促进较大规模企业和非国有企业的成长方面作用明显;小规模企业在同银行建立深度关系方面更具优势。文章揭示了重视和培养银企关系的重要价值,为我国银企关系发展提供可借鉴的模式。
Based on the 422 listing SMEs in the Shenzhen SME board,the paper makes an empirical study on the correlation of bank-enterprise relationship and the growth of SMEs in China.It finds that the number of relationship banks and the time of maintaining these relationships have negative effects on the growth of the enterprises.Relationship lending plays a significant role in promoting the growth of large-scale enterprises and non-state-owned enterprises.Non-state-owned enterprises have the obvious advantage in relationship lending.The paper reveals the great importance and value of cultivating bank-enterprise relationship and provides a developing model for reference.
出处
《浙江工业大学学报（社会科学版）》
2013年第2期153-159,共7页
Journal of Zhejiang University of Technology：Social Sciences
基金
国家自然科学基金项目(71173194)
关键词
银企关系
关系型借贷
中小企业成长
bank-enterprise relationship
relationship lending
SMEs'growth
