大银行对中小企业融资缺乏效率吗——基于大银行与中小银行的对比性实证分析被引量：7

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摘要本文通过大银行和中小银行的对比性实证和理论分析来研究大银行在中小企业融资中的效率问题,运用非参数方法数据包络法(DEA)对我国不同规模的银行进行实证研究。研究表明,大型商业银行在对中小企业贷款方面具有一定优势。这与传统的观点有一定分歧,对此本文作了进一步的理论分析。本文认为由于规模结构差异而引起的对中小企业融资效率的比较,应从信息、风险管理、成本、技术等多方面因素进行综合考虑,而不是仅从信息角度加以强调。

作者翁舟杰杨纮铸

机构地区西南财经大学金融学院

出处《西南金融》北大核心 2012年第6期10-14,共5页 Southwest Finance

基金教育部人文社会科学研究青年基金项目资助(课题名称:中小企业信贷配给理论与实证--基于租值耗散交易费用的研究批准号:10YJC790276)

关键词大银行中小企业融资效率 DEA

分类号 F830 [经济管理—金融学]

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