摘要
通过分析中小企业的内在因素,以认知偏差为出发点,通过认知偏差,行为偏差以及中小企业自身的财务状况,进而结合外部约束来分析中小企业融资困境。通过问卷的发放和数据的调查处理借助SEM模型进行实证分析。研究结果表明:融资困境的解决不仅仅是依赖于外部环境,更重要的是中小企业应当在自身上下功夫,理性的认知、正确的行为、外部政策资源的充分利用,才能从内在、根本上解决中小企业的融资困境。
Small and medium enterprises（SME） financing dilemma is a research that has long been concerned.This paper,through the analysis of the internal factors of SMEs the cognitive bias,disruptive behavior,SMEs in their own financial situation,studies the plight of SME financing with external constraints.A questionnaire survey of the distribution and data processing is carried out for empirical analysis.This study concludes that the solution to the plight of the financing in SME is not completely dependent on the external environment,more importantly,it should be on their own efforts,rational cognition and the correct behavior,making full use of external policies and resources in order to fundamentally overcome the difficulties.
出处
《浙江理工大学学报（自然科学版）》
2011年第2期290-296,共7页
Journal of Zhejiang Sci-Tech University(Natural Sciences)
基金
浙江省科技厅计划项目(2009C25022)
关键词
中小企业
认知偏差
行为偏差
外部性约束
融资困境
SEM(结构方程)
small and medium enterprises
cognitive bias
behavior bias
external constraint
financing dilemma
SEM（structural equation modeling）
