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中文摘要：
以短期信贷需求作为研究对象，构建出包含我国中小企业信贷需求因素的信贷需求函数，并基于可得的宏观经济数据，从宏观层面研究我国的短期信贷需求关系。通过对实证结果的分析，我们发现，在我们估计的短期信贷需求函数中，短期信贷需求和国内生产总值、短期贷款利率以及中小企业信贷需求有着长期的均衡关系，但是我国中小企业信贷需求的增长远大于短期信贷需求增长，并且短期信贷需求与国内生产总值、短期贷款利率以及中小企业信贷需求之间的协整关系对于调节短期信贷需求的作用不显著。这些结果反映出我国短期信贷市场的一定程度的刚性，而且我国的中小企业信贷需求也未能通过银行信贷的渠道得到有效的解决。结合这些实证结果，我们对如何利用货币政策实现帮助中小企业度过金融危机进行了讨论。
英文摘要：
In this paper, we have focused on the demand for short-term credit and construct a short-term credit demand function whichcontains the factor of short and medium enterprises＇ credit demand. We find that the short credit demand, GDP, loan rate and SMEs＇ credit demand have showed a long-term equilibrium relationship, but this relationship cannot significantly correct the shot-term relationship, which means China＇s short-term credit demand exhibits some market rigidity, and the empiricalresult also reflects that the growth of short-term credit demand can not promote the SMEs＇ credit demand, which means the positive credit policies of PBC may not achieve its expected objective. Based on the above empirical results, we present some suggestions about how to use monetary policy helping SMEs to walk out the global financial crisis.
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