科技型中小企业融资障碍因素研究——来自成都科技型中小企业的经验证据

Research on Financing Problem of Technology-based Small-and-medium Sized Enterprises in Chengdu

针对科技型中小企业融资难问题,首先运用描述性统计和相关性分析对影响科技型中小企业融资额的因素进行考察;其次利用逐步线性回归预测科技型中小企业未来可融资额程度;最后利用相关系数法对影响科技型中小企业融资渠道的因素进行分析。通过研究发现,影响科技型中小企业融资额及融资渠道的主要因素是企业财务状况和外源融资。要想提高科技型中小企业的融资能力,则必须从提高企业自身素质、完善金融市场融资体系和引导企业选择合适的融资渠道三方面着手。

Aiming at solving the financial problem of technology - based small - and - medium sized enterprises, this pa- per firstly uses descriptive statistics and correlation analysis to analyze technology - based small - and - medium sized enter- prises＇ amount of financing in Chengdu. Secondly, we use stepwise linear regression （SLR） to obtain the regression equa- tion which can estimate and predict technology - based small - and - medium sized enterprises ＇ amount of financing. Thirdly, the paper analyses the technology - based small - and - medium sized enterprises＇ influencing factors of financing channels in Chengdu by correlation analysis. Finally the corresponding conclusions and recommendations are proposed. This paper states that the main factors that affect enterprises＂ financing amount and channels are their financial status and exogenous factors. Therefore, we should accordingly improve the enterprises＇ financing ability by enhancing their own qual- ities, perfecting financial market financing system and guiding them to proper financing channel.