An Empirical Study Of The Impact Of Commercial Banks On Small And Medium Sized Enterprises Lending Behavior

In recent years,small and micro enterprises gradually become an important force to promote employment and innovation,and promote economic development,However,financing difficulties still restrict the development of small and micro enterprises.For small and micro enterprises financing difficulties,some policies and measures have been promulgated by the central and local governments,November 10,2015,General secretary Xi Jinping proposes in the central financial leading group meeting for the first time,moderate expansion of aggregate demand,while strengthening the structural reform of the supply side.Although commercial banks as an important role of supply side,has been committing to expand the total supply of corporate credit.But the increasement in the total supply of commercial banks is difficult to keep up with the trend of rising demand for small and micro enterprises financing,corporate financing problems are still exist.At present,various types of commercial banks continue to increase the number of outlets,in addition to rural commercial banks and rural banks that for the purpose of serving small and micro enterprises joint stock banks and state owned banks are also increasing the financial products and services that can be applied to small and micro enterprises,making the commercial bank loan technology constantly improving and innovating.The increase in the number of commercial banks in general is conducive to the financial market to increase the total supply of credit services,as bank credit is the main channel for small and micro enterprises external financing,thus bank lending to small and medium enterprises accounted for is easy to change the long-term development of small and micro enterprises affected.On the basis of understanding the financing difficulties of small and micro enterprises in china,from the supply side of the funds,investigating small and medium enterprises lending accounted for and the current situation of credit supply,therefore,this paper aims to study the impact of the lending behavior to small and medium-sized enterprises through the bank scale and the loan technology,doing empirical research on the differences between bank scale and the choice of loan technology on the lending behavior to small and micro enterprises,obtaining countermeasures and suggestions to solve the financing problems of small and micro enterprises.The main research question is:What is the status of commercial banks lending to small and medium-sized micro enterprises?How will the bank scale affect the small and medium sized enterprises credit ratio?How loan technology affects the small and medium sized enterprises credit ratio?And how to play the role of loan technology between bank scale and the small and medium sized enterprises credit ratio?What can be done in the small and medium sized enterprises credit ratio and bank scale?This article comes from the research of some financial institutions of Yangtze River Delta region of Jiangsu Province,Zhejiang province and Anhui Province,will be based on bank scale and loan technology perspective,analysing lending behavior to small and medium-sized enterprises and its influencing factors,committing to alleviate the problem of small and micro enterprises to provide credit advice.This article's data is through the questionnaire survey on Jiangsu Province,Zhejiang province and Anhui province's financial services of small and medium sized enterprises in 128 commercial banks and by the field interviews,mainly studying the following four aspects:First,the descriptive analysis of the commercial banks's lending behavior to small and medium-sized enterprises.The two is the analysis of the influence of bank scale on the lending behavior to small and medium-sized enterprises.On the basis of the present situation of low small and medium-sized micro enterprises lending accounted for,making empirical analysis and research with the help of the multiple choice model.The three is the analysis of the impact of bank lending on the lending behavior to small and medium-sized enterprises.On the basis of the empirical analysis of the bank scale on the lending behavior to small and medium-sized enterprisesjoining variables for loan technology,rebuilding model for empirical analysis,examining the relationship between the bank scale and loan technology and the lending behavior to small and medium-sized enterprises.The four is countermeasures and suggestions of increasing the proportion of small and medium-sized enterprises bank credit.This paper argues that to solve the financing problems of small and micro enterprises,neending combine the three sides of the enterprise,government and banks.The conclusions of this paper are as follows:(1)Due to the effective supply of financial products and services for small and micro enterprises can not meet the credit needs of enterprises,leading to enterprise bank credit ratio is lower overall and the difficult problem of Enterprise financing has not been solved.(2)Loan technology is the key factor influencing the small and medium enterprises credit ratio,and the bank scale can be acquired through loan technology.Among them,the technology of mortgage loan and financial statement loan technology restrict the ratio of credit for small and medium enterprises,credit rating loan technology and relationship loan technology is conducive to the obvious improvement of credit ratio of small and micro enterprises,guarantee loan technology and pledge loan technology also have a certain impact on the credit ratio of small and micro enterprises.To this,the paper presents that to fundamentally solve the problem of small and micro enterprises financing difficult problem requires the joint efforts of enterprises,governments and banks,enterprises should consciously and self-discipline to strengthen their financial and credit compliance,governments should strengthen and implement loan risk compensation policies for small and medium enterprises and support and construction of credit environment?various types of commercial banks should develop precision services for small and medium enterprises credit products,in order to improve the ratio of credit for small and micro enterprises.