论文标题
肯尼亚商业银行向中小型企业贷款的决定因素
Determinants of Lending to Small and Medium Enterprises by Commercial Banks in Kenya
论文作者
论文摘要
中小型企业（中小型企业）获得外部金融是院士重大研究兴趣的问题。商业银行认为许多中小企业不值得信贷，因为他们无法满足某些银行要求。因此，这项研究的目的是研究肯尼亚商业银行对中小企业的贷款的原因。为了实现研究目标，采用了描述性研究设计。该研究进行了肯尼亚43家商业银行的人口普查，并为36个机构获得了完整的数据。该研究使用了肯尼亚商业银行年度公开报告的二级数据，从2010年至2014年开始了5年。通过使用社会研究版本20版的统计软件包对收集的数据进行了分析。该研究确定，肯尼亚商业银行对中小企业向中小企业贷款的银行规模和流动性显着影响，而信贷风险和利率对肯尼亚商业银行对中小企业的贷款没有重大影响。该研究建议，通过采用发展商业银行的政策来增强肯尼亚商业银行中小企业的贷款。
Small and Medium Enterprises (SMEs) access to external finance is an issue of significant research interest to academicians. Commercial banks consider many SMEs not to be credit worthy because of their inability to meet some banking requirements. Hence, the objective of this study was to investigate what determines lending to SMEs by commercial banks in Kenya. To achieve the study objectives, a descriptive research design was employed. The study undertook a census of the 43 commercial banks in Kenya, with full data being obtained for 36 institutions. The study used secondary data from the annual published reports of commercial banks in Kenya for a period of 5 years from 2010-2014. The data collected was analyzed through the multiple linear regression using the Statistical Package for Social Studies version 20.The study established that bank size and liquidity significantly influences (positively and negatively, respectively) lending to SMEs by commercial banks in Kenya while credit risk and interest rates have no significant influence on lending to SMEs by commercial banks in Kenya. The study recommends that lending to SMEs by commercial banks in Kenya be enhanced by adopting policies that grow the commercial banks.
