银行数字普惠金融、银行竞争与企业融资约束

雷  辉; 金  敏

银行数字普惠金融、银行竞争与企业融资约束

引用本文：雷辉，金敏.银行数字普惠金融、银行竞争与企业融资约束[J].财经理论与实践,2021,(6):2-9

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作者	单位
雷辉，金敏	(湖南大学工商管理学院,湖南长沙 410082)

中文摘要:基于中国31个省份的相关数据，使用变异系数法构建银行数字普惠金融指数，以中小企业板上市公司为研究样本，讨论竞争程度变化时银行数字普惠金融对中小企业融资约束的影响及变化。研究发现：银行数字普惠金融发展有利于缓解中小企业融资约束，当银行竞争程度较高时，缓解作用更加明显。同时，相对于民营中小企业，银行数字普惠金融发展对国有中小企业融资约束的缓解作用更加明显，反映了当前银行在发展数字普惠金融时存在选择偏向问题。但随着银行竞争的提高，这种问题有所缓解。

中文关键词:银行数字普惠金融中小企业融资约束银行竞争

Digital Inclusive Finance of Banks, Bank Competition and Firms' Financial Constraints

Abstract:Based on the relevant data of 31 provinces in China, constructing the Digital Inclusive finance index of banks (BDFI) by using the method of coefficient of variation, and then taking the listed firms in small and medium enterprise board as the sample to explore the actual effects of the development of Digital Inclusive Finance of Banks on SMEs' financial constraints. The results show that the development of Digital Inclusive Finance of Banks can mitigate SMEs' financial constraints, and this mitigation effect is more obvious when bank competition is high. Further research shows that the mitigation effect of the development of Digital Inclusive Finance of Banks on SOE is more obvious than that on private firms, which indicates the problem of selection bias in the development of Digital Financial Inclusion in banks. However, this problem will be alleviated when the competitions among banks increase.

keywords:digital inclusive finance of banks SMEs financial constraints bank competition

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