贵州财经大学学报

贵州财经大学学报 ›› 2024 ›› Issue (06): 48-56.

• 金融经济 • 上一篇    下一篇

金融科技对小微企业的信贷需求影响研究

文学舟1, 孙浩1, 袁仕陈2   

  1. 1. 江南大学 商学院, 江苏 无锡 214122;
    2. 江苏大学 财经学院, 江苏 镇江 212013
  • 收稿日期:2023-08-29 出版日期:2024-11-15 发布日期:2024-11-22
  • 作者简介:文学舟(1973—),男,湖北孝感人,江南大学商学院教授,博士生导师,研究方向为中小企业融资、金融科技与数字普惠金融;孙浩(1998—),男,江苏苏州人,江南大学商学院硕士研究生,研究方向为金融科技与数字普惠金融;袁仕陈(1971—),男,湖南绥宁人,江苏大学财经学院副教授,研究方向为企业融资、货币理论与实践。
  • 基金资助:
    国家社会科学基金一般项目"金融科技破解小微企业信贷供求错配困境的作用机制及实现路径研究"(22BGL065)。

Research on the Impact of Financial Technology on the Credit Demand of Small and Micro Enterprises

WEN Xuezhou1, SUN Hao1, YUAN Shichen2   

  1. 1. School of Business, Jiangnan University, Wuxi, Jiangsu 214122, China;
    2. School of Finance and Economics, Jiangsu University, Zhenjiang, Jiangsu 212013, China
  • Received:2023-08-29 Online:2024-11-15 Published:2024-11-22

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摘要： 小微企业的融资需求满足离不开商业银行的精准信贷支持,但是既有研究较少从金融科技视角关注两者的匹配情况。基于全国5个省份(自治区)508份银行样本和2148份小微企业样本数据,对银企信贷供求匹配度进行测量,并在此基础上构建了金融科技应用、创新水平、银企信用共识度、金融监管和银企信贷供求匹配度之间关系的理论模型。实证分析结果表明:金融科技应用正向影响银企信贷供求匹配度;创新水平和银企信用共识度在其中起部分中介作用;金融监管不仅负向调节金融科技应用与创新水平之间的关系,还负向调节金融科技应用对银企信贷供求匹配度的作用路径。研究结论丰富和拓展了银企信贷供求匹配度的测量及影响因素的相关研究,为促进金融科技缓解小微企业融资难提供了科学决策依据。

关键词: 金融科技应用, 创新水平, 金融监管, 银企信贷供求匹配度, 银企信用共识度

Abstract: The credit needs of small and micro enterprises(SMEs)cannot be met without the precise support of commercial banks, but existing research has paid less attention to the matching situation between banks and SMEs from the perspective of financial technology (Fintech). Based on 508 bank samples and 2148 SMEs sample data from 5 provinces (autonomous regions) across the country, this paper measured matching degree of credit supply and demand between banks and SMEs. Based on this, this paper constructed a theoretical model of the relationship between Fintech application, innovation level, bank enterprise credit consensus, financial regulation, and matching degree of credit supply and demand between banks and SMEs and provided an empirical analysis and test. The results indicate that the application of Fintech has a positive impact on the matching degree of credit supply and demand between banks and SMEs; innovation level and credit consensus between banks and enterprises play a partial mediating role in it; financial regulation not only negatively regulates the relationship between the application of Fintech and innovation level; but also negatively regulates the role path of Fintech application in matching degree of credit supply and demand between banks and SMEs. The research conclusion enriches and expands the measurement of the matching degree of credit supply and demand between banks and enterprises and the related research on influencing factors, and provides a scientific decision-making basis for promoting Fintech to alleviate the financing difficulties of SMEs.

Key words: financial technology applications, innovation level, financial regulation, matching degree of credit supply and demand between banks and SMEs, degree of credit consensus between banks and SMEs

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