基于要素与成本差异的银行贷款行为分析

不同规模银行贷款行为的差异与要素组合和成本差异有关。大银行技术水平和资本/劳动比例较高,规模经济效应使它们选择可依赖资本投入对借款人进行数量评估的交易型贷款。小银行虽然在技术上处于劣势,但在劳动密集型产品——关系型贷款的生产上具有明显优势,因而会经营依赖于软信息做出贷款决策的关系型贷款。鉴于小企业更依赖于关系型贷款,因此,解决小企业贷款问题需要有与之同步和健康发展的小银行。

An Analysis of Bank Lending Behavior Based on Differential Factors and Cost

The difference in bank lending behavior between large and small banks is related with the differential factors and cost.Large banks have more advanced technology and a higher capital/labor ratio,the economies of scale in lending also contributes to their greater reliance on capital input and transactional lending.Small banks have an obvious advantage in the production of labor-intensive product-relationship lending.Though they are at the disadvantage in technology,they will provide relationship lending that relies on soft information.Owing to the fact that small firms rely more on relationship lending,there is a need for healthy small banks that develop along with small firms in order to overcome the financial difficulty of small firms.