作　　者： ; ;

机构地区： 暨南大学经济学院

出　　处： 《改革与战略》 2009年第8期169-171,共3页

摘　　要： 根据关系型贷款假说,与大型金融机构相比,中小金融机构在为中小企业提供融资服务时具有比较优势,对中小企业发展的促进作用更大。文章以我国中小企业最发达的广东省和浙江省为例,实证检验两类金融机构在中小企业发展中的贡献。结果发现:浙江省中小金融机构所起的促进作用大于大型金融机构;而广东省则相反,其中小金融机构对中小企业的支持作用尚未充分发挥。再分析原因,并借鉴浙江省的经验就如何发展广东省的中小金融机构提出建议。 According to the relationship lending, compared with large financial institution（LFI）, small ＆ medium-sized financial institution（SMFI） have a comparative advantage in providing loans to small business, and play an important role in promoting the development of small business. This paper, taking Guangdong and Zhejiang as two examples, where small business is well-developed in China, make an empirical analysis on the contributions of these two types of financial institution. The results show that SMFI in Zhejiang plays a greater promoting role than LFI, while in Guangdong is otherwise. The supporting role of SMFI in the development of small business hasn＇t been fully played in Guangdong. Then this paper analyzes the reasons of the results and puts forward some suggestions on how to develop SMFI in Guangdong on the base of Zhejiang＇s experience.

关 键 词： 中小金融机构 中小企业 关系型贷款

领　　域： [经济管理—金融学]