管理评论

›› 2017, Vol. 29 ›› Issue (9): 37-47.

• 经济与金融管理 • 上一篇    下一篇

银企关系中小微企业信任的实证研究

唐莹1, 邓超2   

  1. 1. 西南财经大学金融学院, 成都 611130;
    2. 中南大学商学院, 长沙 410083
  • 收稿日期:2015-05-28 出版日期:2017-09-28 发布日期:2017-10-09
  • 通讯作者: 唐莹(通讯作者),西南财经大学金融学院讲师,博士。
  • 作者简介:邓超,中南大学商学院教授,博士生导师,博士。
  • 基金资助:

    国家自然科学基金面上项目（71473275）。

Empirical Study of the Trust Relationship between Banks and Small and Micro-enterprises

Tang Ying1, Deng Chao2   

  1. 1. School of Finance, Southwestern University of Economics and Finance, Chengdu 611130;
    2. School of Business, Central South University, Changsha 410083
  • Received:2015-05-28 Online:2017-09-28 Published:2017-10-09

PDF (PC)

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摘要：

银企关系中的信任有助于缓解银行信贷活动的信息不对称，对改进小微企业信贷管理有重要启示。已有研究关注银企关系中的信任问题，但主要集中于银行信任，尚无对小微企业信任的研究。通过在湖南、广东两省开展问卷调查以收集研究数据，对小微企业信贷实践中的企业信任展开实证研究，结果显示：(1)小微企业对银行持有较高的信任与其贷款可获得性正相关；(2)小微企业对银行的信任降低了其在申请贷款时气馁的可能性；(3)小微企业对银行的信任受到企业特征、企业主特征和银企关系等因素的影响。

关键词: 小微企业, 银企关系, 信任, 气馁, 信贷可获得性

Abstract:

The trust relationship between lending banks and borrowing enterprises helps mitigate information asymmetry, so it can be considered as a key entry point to improve the lending to small and micro-enterprises. Though the trust relationship between banks and enterprises is receiving more and more attention, current studies focus on the trust from bank side, and ignore the issue from the borrowing enterprise side. This paper presents an empirical study on the small and micro-enterprise's trust in bank based on the survey data collected from two provinces in China, Hunan and Guangdong. Our results show that:(1) a higher level of trust that a small and micro-enterprise endows in bank is positively correlated with its credit availability, (2) small and micro-enterprise's trust in bank reduces the probability of it being discouraged from applying for a bank loan, (3) firm characteristics, personal traits of firm owner and relational factors are all the determinants of small and micro-enterprise's trust in bank.

Key words: small and micro-enterprise, bank-firm relationship, trust, discouragement, credit availability