中小企业商业信用融资区域差异研究

Research on Regional Differentials of SMEs' Trade Credit Financing

商业信用融资的发展为解决我国中小企业融资问题提供了新的方向。为了更好地利用商业信用融资方式,文章运用面板数据方法对关中—天水经济区和珠江三角洲经济区的中小企业商业信用融资使用情况做了比较分析,发现中小企业商业信用融资使用水平具有区域差异性,并进一步分析了造成差异的原因及其影响程度。文章认为中小企业商业信用融资受到环境、组织和个人三个层面因素的影响,在不同的地区,这些影响因素具有不同的表现。

Trade credit financing provides a new direction for the solution to the financing problem of SMEs. In the purpose of making full use of trade credit financing, this paper makes a comparative analysis of trade credit financing of SMEs in Guanzhong-Tianshui economic zone and Zhujiang Delta economic zone by panel data. The results find that the usage levels of trade credit financing of SMEs vary with the regions. And it makes further analysis of the influencing factors and their contribution to the regional differentials. It arrives at a conclusion that the trade credit financing of SMEs is affected by environmental, organizational, and personal factors, and the effects differ widely among regions.