银企关系与中小企业成长——关系借贷价值的经验证据
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财经研究 2009 年 第 35 卷第 10 期, 页码：82 - 92
摘要
参考文献
摘要
文章利用世界银行在我国18个城市1186家中小企业调查的样本数据,对我国银企关系与中小企业成长的相关性进行了实证研究,发现样本企业建立关系银行的数量和维持银行关系的时间长度与企业成长具有负相关关系,而中小企业与银行采用关系借贷融资所形成的关系深度与企业的成长却具有显著的正相关性,并在规模较大的企业、非国有企业和处于弱市场竞争环境下的企业群体中有所体现。文章为中小企业关系借贷理论在中国的实践提供了经验证据,揭示了中小企业培育紧密银企关系的应用价值。
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[3]吴业春,王成.中小企业成长性因素模型的实证研究[J].特区经济,2007(6):268-269.
[4]张杰,经朝明,刘东.商业信贷、关系型借贷与小企业信贷约束:来自江苏的证据[J].世界经济,2007(3):75-85.
[5]周好文,李辉.中小企业的关系型融资:实证研究及理论释义[J].南开管理评论,2005,(3):69-74.
[6]Baas,Schrooten.Relationship banking and SMEs:Atheoretical analysis[C].Discussion Paper German Institute of Economic Research,Berlin,2005.
[7]Becchetti L,Trovato G.The determinants of growth for small and mediumsized firms:The role of the availability of external finance[J].Small Business Economics,2002,19:291-306.
[8]Berger A,Udell G.A more complete conceptual framework for SMEfinance[J].Jour-nal of Banking and Finance,2006,30:2945-2966.
[9]Berlin M,Mester J.On the profitability and cost of relationship lending[J].Journal of Banking and Finance,1998,22:873-898.
[10]Boot A.Relationship banking:What do we know?[J].Journal of Financial Intermedia-tion,2000,9(1):7-25.
[11]Carpenter R,Petersen B.Is the growth of small firms constrained by internal finance?[J].Reviewof Economics and Statistics,2002,84:298-309.
[12]Elston J.Bankinfluence,firmperformance and survival:Empirical evidence from Ger-many1970-1986[J].Corporate Ownership and Control,2004,1:65-71.
[13]Niskanen J,Niskanen M.The determinants of firmgrowthin small and micro firms—Evidence on relationship lending effects[R].SSRN Working Paper,2005.
[14]Ongena S,Smith D.Bank relationships:A survey[C].The Performance of Financial Institutions.Cambridge University Press,2000.
[15]Storey D.Understanding the small business sector[M].Routledge,New York,1994.
引用本文
何韧, 王维诚. 银企关系与中小企业成长——关系借贷价值的经验证据[J]. 财经研究, 2009, 35(10): 82–92.
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