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我国正处于经济转型期,经济结构不均衡、市场机制不完善、资本市场有效性不足等原因导致货币政策在宏观调控中的作用显得尤为重要。本文旨在现有理论研究的基础上,检验中在宏观经济政策变动的情况下,中小银行对中小企业信贷融资的促进作用是会增强还是削弱?与现有文献相比,本文不仅为我国促进中小企业发展提供了经验性结论,更从国家货币政策执行的角度,给出了研究如何缓解中小企业融资难题的新思路。
China is in a period of economic transition. The imbalance in economic structure, imperfect market mechanisms, and insufficient availability of capital markets have made the role of monetary policy in macroeconomic regulation particularly important. This paper aims at the existing theoretical research. Based on the changes in macroeconomic policies, whether the promotion effect of small and medium-sized banks on credit financing for SMEs will be enhanced or weakened, compared with the existing literature, this article not only promotes the development of China. The development of SMEs provides empirical conclusions, and from the perspective of the implementation of national monetary policy, it gives new ideas on how to alleviate the financing difficulties of SMEs.