中小企业银行融资能力的影响因素:基于浙江省的实证研究

The Influencing Factors of SMEs' Bank Financing Capacity Based on the Empirical Study of Zhejiang Province

对于大多数中小企业而言,融资能力欠佳是一个困扰其发展的重要问题。本文主要以浙江省为例,重点从企业的资产规模、成立年限、盈利能力、出口能力和创新能力等5个方面,对中小企业银行融资能力的影响因素进行了实证研究。研究结果表明,对中小企业来说,资产规模、成立年限、盈利能力、出口能力等因素对其银行融资能力具有显著的正向影响。这些研究结论对于缓解我国中小企业融资难问题具有一定的政策指导意义。

The poor financing capacity is an important problem perplexing the development of Chinese small and medium-sized enterprises( SMEs). This paper conducted an empirical study of the influencing factors on the financing capacity of SMEs in Zhejiang Province as the research object in terms of the asset size,age,profitability,export ability and innovation ability. The results show that the asset size,age,profitability and export ability have a significant positive influence on bank financing ability. The conclusions have policy implications for mitigating the problems of SMEs financing in China.