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银行竞争对中小企业融资约束影响的文献综述

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由于中小企业的融资渠道相对有限、规模较小,且在金融市场上的知名度不高,加之其融资过程具有"短、频、急"的特点,中小企业在融资过程中面临着诸多困难,普遍存在融资约束.在这一背景下,银行贷款作为中小企业间接融资的主要渠道,其竞争程度加剧形成的多元化竞争结构将对中小企业融资约束产生影响.基于此,文章梳理国内外相关文献,总结已有研究结论并提出相关建议.以期为政策制定者提供决策依据,为缓解中小企业融资约束提出新的解决办法.
Literature Review on the Impact of Bank Competition on Financing Constraints of Small and Medium-Sized Enterprises
Due to the relatively limited financing channels,small scale,and low popularity in the financial market,as well as the short,frequent and urgent financing process,small and medium-sized enterprises face many difficulties and financing constraints in the financing process.In this context,bank loans are the main channel for indirect financing of small and medium-sized enterprises.The diversified competitive structure formed by the intensified competition will have an impact on the financing constraints of small and medium-sized enterprises.Based on this,this article reviews relevant literature at home and abroad,summarizes existing research conclusions,and puts forward relevant suggestions,in order to provide decision-makers with decision-making basis and propose new solutions to alleviate financing constraints in small and medium-sized enterprises.

bank competitionsmall and medium-sized enterprisesfinancing constraints

刘博文

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武汉纺织大学 经济学院,湖北 武汉 430200

银行竞争 中小企业 融资约束

2024

商业观察

商业观察

ISSN:
年,卷(期):2024.10(26)
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