本文選題：銀行業(yè)市場結構 + 中小企業(yè)�。� 參考：《內(nèi)蒙古大學》2017年碩士論文

【摘要】：隨著中國經(jīng)濟的不斷改革發(fā)展,中小企業(yè)成為經(jīng)濟轉型期創(chuàng)新驅動的主要動力,對國民經(jīng)濟的貢獻與日俱增。然而,中小企業(yè)由于信息不對稱等原因無法充分獲得滿足其發(fā)展需求的外部資金,其中銀行貸款的獲取是中小企業(yè)發(fā)展的關鍵,而隨著利率市場化的繼續(xù)推進,金融市場的不斷改革,銀行業(yè)市場結構發(fā)生了重大變化。本文以此為切入點,深入探討銀行業(yè)市場結構對中小企業(yè)融資約束的影響,同時為銀行業(yè)市場結構的優(yōu)化改革以及突破中小企業(yè)融資約束難題提供一定的理論分析。本文首先對相關國內(nèi)外文獻綜述進行梳理,接著對中國銀行業(yè)市場結構和中小企業(yè)融資狀況作了簡要分析,從銀行業(yè)集中度和銀行業(yè)規(guī)模結構兩個維度對中小企業(yè)融資約束的作用機制進行了理論分析,然后選取股權分置改革之后2006～2015年間中小企業(yè)板上市公司數(shù)據(jù)為研究樣本,運用現(xiàn)金-現(xiàn)金流敏感模型,通過多元回歸方法進行實證檢驗,得出如下結論:較低的銀行業(yè)市場集中度可以緩解融資約束。城市商業(yè)銀行的廣泛存在對緩解這些制約因素的影響大于股份制銀行的存在,而國有銀行的存在影響較小。最后提出建議,為了支持中國新型經(jīng)濟體中小企業(yè)的發(fā)展,應該促進對中小企業(yè)發(fā)展有利的多元化區(qū)域性銀行的發(fā)展。
[Abstract]:With the continuous reform and development of China's economy, small and medium-sized enterprises (SMEs) have become the main driving force of innovation in the period of economic transformation, and their contribution to the national economy is increasing. However, due to asymmetric information and other reasons, SMEs can not fully obtain external funds to meet their development needs. Among them, the acquisition of bank loans is the key to the development of SMEs, and with the further development of interest rate marketization, With the continuous reform of the financial market, the structure of the banking market has undergone major changes. This paper takes this as the starting point to probe into the influence of the banking market structure on the financing constraints of small and medium-sized enterprises, and at the same time provides a certain theoretical analysis for the optimization and reform of the banking market structure and the breakthrough of the financing constraints of small and medium-sized enterprises. This paper firstly combs the literature review at home and abroad, then makes a brief analysis on the market structure of China's banking industry and the financing situation of SMEs. This paper theoretically analyzes the mechanism of financing constraints of SMEs from the two dimensions of banking concentration and banking scale structure, and then selects the data of SME board listed companies from 2006 to 2015 as the research sample after the split share structure reform. By using the cash-cash flow sensitive model and the multivariate regression method, the author draws the following conclusions: lower banking market concentration can ease the financing constraints. The widespread existence of urban commercial banks has a greater impact on the alleviation of these constraints than the existence of joint-stock banks, while the existence of state-owned banks has little effect. Finally, it is suggested that in order to support the development of small and medium-sized enterprises in China's new economy, we should promote the development of diversified regional banks that are favorable to the development of small and medium-sized enterprises.
【學位授予單位】：內(nèi)蒙古大學
【學位級別】：碩士
【學位授予年份】：2017
【分類號】：F276.3;F832

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