The impact of SMEs’ lending and credit guarantee on bank efficiency in South Korea

Lien-Wen Liang; Bor-Yi Huang; Chih-Feng Liao; Yu-Ting Gao

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The impact of SMEs’ lending and credit guarantee on bank efficiency in South Korea

机译：中小企业的贷款和信用担保对韩国银行效率的影响

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This study examines how small and medium-size enterprises’ (SMEs’) lending and credit guarantee affect Korean banks’ efficiency, by employing the stochastic frontier approach on 14 banks over the period 2001–2010. When lending increases to SMEs, the findings indicate that banks’ cost efficiency decreases due to information asymmetry. However, the increased proportion of credit guarantee can improve their cost efficiency. This proves that South Korea’s credit guarantee system can indeed share SMEs’ credit risk of lending in order to help raise bank efficiency.

机译：这项研究通过在2001年至2010年间对14家银行采用随机前沿方法，研究了中小企业的贷款和信用担保如何影响韩国银行的效率。当发现中小企业贷款增加时，结果表明银行的成本效率由于信息不对称而下降。但是，增加信用担保的比例可以提高其成本效率。这证明了韩国的信用担保体系确实可以分担中小企业的放贷信用风险，以帮助提高银行效率。

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《Review of Development Finance》 |2017年第2期|共8页
作者
Lien-Wen Liang; Bor-Yi Huang; Chih-Feng Liao; Yu-Ting Gao;
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中图分类经济;
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7. The impact of SMEs’ lending and credit guarantee on bank efficiency in South Korea [O] . Lien-Wen Liang, Bor-Yi Huang, Chih-Feng Liao, 2017

机译：中小企业贷款和信贷担保对韩国银行效率的影响

The impact of SMEs’ lending and credit guarantee on bank efficiency in South Korea

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