小微企业信贷需求与信贷行为实证研究

The Empirical Study on Credit Demand and Behavior of Micro-enterprises

运用判别抽样法,对全国25省1062家小微企业信贷需求与借贷行为进行调查,运用Probit模型对其影响因素进行检验。调查发现:小微企业普遍有中短期信贷需求,但满足率低,且高度依赖非正规借贷。计量分析表明:企业领导文化水平、资产规模、年经营收入对其信贷需求有显著正向影响;年经营收入对正规与非正规借贷分别有显著正向、负向影响;员工平均文化水平和资产规模对其借贷行为有显著正向影响。

By the judgment sampling this paper selects 1062 micro-enterprises in China and Investigate their credit demand and behavior,and examine their influencing factors with Probit Model. The survey shows that most of the micro- enterprises have credit demand of short or medium term,but the most did not get satisfied,and a large portion of credit came from informal finance. The result shows that education levels of the leader,the asset size,and the annual income have significant effect on their credit demand; the annual income has a negative effect on informal loan,has a positive influence on formal loan. Worker＇s average education level and the asset size have a positive effect on their credit behavior.