高技术中小企业信贷需求调查与实证研究:以黑龙江省为例

The investigate of The Credit Demand of High Technology SMEs and the Empirical Research:A case of Heilongjiang Province

本文在417家黑龙江省高校科技园内企业调查问卷数据基础上,构建了Tobit模型,对高技术中小企业信贷需求的影响因素进行了实证分析。实证研究的结果表明影响企业信贷需求的因素主要包括主营业务、企业规模、研发投入和经营绩效。其中,主营业务、企业规模、研发投入对企业信贷需求产生正向作用,经营绩效则对企业信贷需求产生负向作用。而企业负债和信贷制度则对企业信贷需求影响不显著。

This paper builds the Tobit model to analysis the factors influencing credit demand via carrying out a survey in High Technolo- gy SMEs of Heilongjiang Technological region. The results show that the credit demand influenced by the main business, the scale, the R＆D input and the performance. The main business, the scale, and the R＆D input have positive effect on the credit demand. The perfor- mance have negative effect on the credit demand. And the debt and the credit institute have no effect on the credit Demand.