金融开放、银行规模与小微企业信贷约束

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中图分类号：F832 文献标识码：A 文章编号：1004-0714（2025）09-0037-06

Financial Openness，Bank Sizeand Credit Constraints for Small and Micro Enterprises

WANGHuil，3，JIAWanwen2.3 （1.Schoolodteio ResearchZejitedoa;uefuadbc Research，theNewTypeKeyThinkTankofZhejiangProvince，3lool8，Hangzhou，Zhejiang，China）

Abstract：Basedon the panel dataof bank SMEslending in China from 2011to2019，this articleanalyzes the impact of branch expansion of banks of different sizes on the supply and availability of SMEs lending in the context of financial openness.The research shows that bank expansion increases the supply of SMEs lending， andthe positive impact of small bankiexpansion is more significant than that of big banks.However，due to thelow efficiency of competitionin SMEslending in the banking industry，the availabilityof SMEs lending has beenreduced inthe expansion of big banks，and the incentive effect of small bank expansion on the availability of SMEs lending has been constrained，and further guidance from financial regulatory policies is still needed.Inaddition，theempirical resultsalsoshowthat fintech favors thedevelopment of SMEslending，while the incentiveeffect of the financial policyenvironment is more significant for big banks.

Keywords：Financial Openness;Branch Expansion;SMEs Lending;Bank Size

一、引言

小微企业在稳定经济增长、缓解就业压力及提高创新动力等各个方面均发挥着重要作用，但我国银行业金融排斥现象仍然存在，尤其是对小微信贷的供给明显不足。（剩余10894字）