投贷联动赋能银企高质量发展——基于对中小型科技企业和银行业务的研究
Investment and Loan Linkage Empowers High-quality Development of Enterprises and Banks
张伟煜1
作者信息
摘要
本文以中国2008-2022年沪深A股上市中小型科技企业数据为样本,研究投贷联动对中小型科技企业高质量发展的影响.研究发现投贷联动可通过提升技术创新促进中小型科技企业高质量发展;与传统银行贷款相比,投贷联动对企业高质量发展的促进作用更强;且在企业生命周期不同阶段存在差异.此外,本文以某商业银行内部数据为样本进行分析研究,发现相较于传统贷款,投贷联动有利于降低银行信贷风险,并促进相关业务增长.
Abstract
Based on the data of Shanghai and Shenzhen A-share High-tech SMEs in China from 2008 to 2022,this paper finds that Investment and loan Linkage promotes the total factor productivity of High-tech SMEs through technology innovation,which is stronger than traditional bank loan,and differs among different stages of the life cycle of enterprises.In addition,based on the internal data of a certain bank,this paper finds that Investment and loan Linkage decreases the credit risk and increases the growth of bank deposits.
关键词
投贷联动/中小型科技企业/技术创新/高质量发展Key words
Investment and loan linkage/High-tech SMEs/Technology innovation/High-quality development引用本文复制引用
出版年
2024
NETL
NSTL
万方数据