The Impact Of Banks Competition For Small And Medium-sized Enterprises Credit Availability And Growth

In recent years,small and medium-sized enterprise development rapidly,has become one of the most active innovation main body of technological progress.Small and medium-sized enterprise is the main body of market economy important constituent,is the guarantee of the national economy to flourish,one of the social order and stable operation of power,especially in ensuring economic stability growth,promote transformation and upgrading of economic structure,alleviate employment pressure,etc.,all play a role.however,at the same time,small and medium-sized enterprises are facing financing problems,to solve the financing problem,promote the healthy growth of enterprises need to bank credit support,the size of the bank credit support for small and medium-sized enterprises not only influence credit availability,but also by the convenience degree of the enterprise funds to a certain extent,affects the growth of small and medium-sized enterprise development.With the new normal economic development,our country enters the deep water area of comprehensive reform,strengthening financial reform,financial deepening degree deepening,financial product innovation speed is accelerated,types of financial institutions to increase,competition intensified.Affected by financial market reform and innovation strength enhancement,small and medium-sized enterprise financing pattern had the huge change,the PPP,Internet finance,supply chain financing,private equity financing and intellectual property rights and other innovative financing way of financing,the traditional bank loan financing pattern has a huge impact,in this case,the banking sector for small and medium-sized enterprise financing manner,the way of change.Under this background,the research of existing banking market competition under the economic development pattern for small and medium-sized enterprises credit and growth,more in line with the current situation of economic development,to the development of small and medium-sized enterprise financing difficulties,difficult problem to solve more practical significance.In the fierce market competition,Banks compete for effect on credit availability and whether the growth of small and medium-sized enterprises,this article will proceed from the Angle of bank competition,the sme credit availability and the effects of growth for empiricalanalysis.Based on the study and discussion of the past scholars' research results,this paper will fix the perspective of research on the impact of bank competition on credit availability and growth of small and medium-sized enterprises,the selection of the small and medium-sized boards of listed companies and 18 Banks as the main research object,by constructing a model,select the appropriate variable indicators,use Stata software,the variable data for empirical analysis.The results found that the bank competition and sme credit availability and growth,a significant relationship between the degree of bank competition intensified to increase enterprise credit availability,the increasing of the credit funds,conducive to the growth of the enterprise development.Different sizes of bank influence degree is different,big Banks with a negative impact,small and medium-sized Banks a positive impact.Based on the empirical results,this paper from two aspects of the government and Banks to promote small and medium-sized enterprise credit availability of put forward the corresponding countermeasures and Suggestions,to ensure that the small and medium-sized enterprise credit availability,promote the healthy development of small and medium-sized enterprises.