县域中小企业信贷融资能力影响因素实证研究被引量：20

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摘要本文基于抽样调查数据和多元回归分析方法,对我国县域(县城及农村)中小企业信贷融资能力影响因素进行了实证分析。结果显示:企业固定资产比率、盈利能力(ROA)、产品销路、信用评级、信贷人员来访来电频度(表示银企关系)对中小企业的信贷融资能力具有显著正向影响;企业管理层平均受教育程度等对信贷融资能力也具有一定的正向影响。

作者马九杰毛旻昕

机构地区中国人民大学农业与农村发展学院

出处《开发研究》 CSSCI 2005年第3期116-119,共4页 Research On Development

基金国家社科基金项目(00CJY024) 国家自然科学基金项目(79900008 70141026)资助。

关键词中小企业信贷可得性资信评价农村金融

分类号 F832 [经济管理—金融学]

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参考文献8

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