银企关系对制造业中小企业商业信用可得性影响研究——基于江苏徐州和广西柳州典型样本的经验证据

基于实地调研数据,研究分析了银企关系对制造业中小企业的重要外源性融资渠道———商业信用的影响。建立了涵盖企业财务状况、银企关系、宏观经济因素等多个方面的研究指标体系,通过相关性分析,研究指标之间的关系。在此基础上,对模型进行了优化,并通过多元回归分析,研究了银企关系对制造业中小企业商业信用可得性影响。研究表明,对于制造业中小企业,只有表示企业与银行业务往来程度的银企关系会影响到商业信用的可得性,银行信贷市场与商业信用市场基本上是两个分割的市场。

On the Influence of the Availability of Trade Credit by the Relationship between Banks and SMEs ——Evidences from Xuzhou and Liuzhou

Based on empirical research,the articles analyses the impact of relationship between Banks and SMEs to the important exogenous financing——commercial credit.First,the index system was established,covering the financial status of SMEs,relationship between banks and SMEs,macroeconomic factors and other aspects;Second,the relationship between the index system was studied via the correlation analysis;Finally,the multivariate correlation analysis was used for the relationship of the variables.In this paper,empirical researches are done to find out that for SMEs in the manufacturing industry,bank lending market and trade credit markets are almost separate.