摘要贷款难是限制小微企业发展的一大因素，近几年来许多学者通过研究发现中小银行在帮助小微企业融资时比大银行更具优势。本文首先阐述了研究中小银行小微企业贷款业务的背景和意义，其次分析了目前小微企业贷款难的现状及原因，并在总结前人经验的基础上，运用理论与实证相结合的方法对小微企业贷款领域的“小银行优势假说”进行了检验，得出中小银行市场份额的提高会使小微企业更易获得贷款支持的结论，又运用统计数据进一步验证了实证结果的合理性。最后本文根据研究结果对相关主体提出了合理建议。关键词：小微企业贷款中小银行小银行优势实证检验AbstractLoandifficultiesareamajorfactorlimitingthedevelopmentofsmallandmicroenterprises.Inrecentyears,manyscholarshavefoundthroughresearchthatsmallandmedium-sizedbankshavemoreadvantagesthanlargebanksinhelpingsmallandmicroenterprises.Thisarticlefirstelaboratedonthebackgroundandsignificanceoftheresearchonsmallandmicroenterpriselendingbusinessofsmallandmedium-sizedbanks.Secondly,itanalyzedthecurrentstatusandcausesofthedifficultyofloanfinancingforsmallandmicroenterprises.Basedontheexperienceofpreviouspeople,itusedacombinationoftheoreticalandempiricalmethods.The“smallbankadvantagehypothesis”inthefieldofsmallandmicroenterpriseloanswastested,anditwasconcludedthattheincreaseinthemarketshareofsmallandmedium-sizedbankswouldmakeiteasierforsmallandmicroenterprisestoobtainloansupportconclusions.Statisticaldatawasusedtofurtherverifytherationalityoftheempiricalresults.Finally,basedontheresultsoftheresearch,thisarticleputforwardreasonablesuggestionsforrelatedsubjects.Keywords:smallandmicrobusinessloans,smallandmediumbanks,smallbankadvantages,empiricaltest目录摘要....................................................................IABSTRACT...............................................................II目录..............................................................III1绪论.................................................................1研究背景及意义......................................................1研究对象的界定......................................................22文献综述.............................................................2小银行优势假说......................................................2小银行优势争议......................................................33小微企业融资现状分析.................................................4小微企业融资现状....................................................4小微企业融资难原因..................................................54中小银行对小微企业融资的影响.........................................6“小银行优势”的理论分析............................................6“小银行优势”的实证检验............................................75中小银行开展小微企业贷款业务现状分析................................115.1小微企业贷款规模................................................115.2小微企业贷款占比................................................125.3小微企业贷款增速................................................136政策建议............................................................146.1对小微企业的建议................................................146.2对中小银行的建议................................................14参考文献...............................................................16致谢...................................................................171绪论1.1研究背景及意义研究背景（1）小微企业方面随着市场经济的不断推进，一...
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