恩施州金融信贷机构支持涉农中小企业发展调查研究

Study of Financial Credit Institutions Supporting Development of Agriculture-Related Small and Medium-Sized Enterprises in Enshi

为了研究金融机构支持涉农中小企业金融信贷的影响因素以及可得性影响因素,根据恩施州涉农中小企业金融信贷问卷调查,以社会再生产理论为基础,建立了二元Logistic回归模型和Tobit模型,认为要提高金融信贷机构支持涉农中小企业贷款可得性程度,需从3个方面进行改进:金融机构应尽快建立企业信贷评级系统、中小企业提升自身财务状况、相关政府需要建立激励机制.

According to the data of questionnaires from the agriculture-related SMEs （ small and medium-sized enterprises ） in Enshi, and based on Marx′s theory of social reproduction , this paper studies the influence factors of financial credit institutions supporting financial loans to agriculture-related SMEs by building binary Logistic regression model and Tobit model .This paper gives suggestions to improve the availability of supporting for the agriculture -related SMEs from financial institutions in three ways , which are building rating system for SMEs lending , SMEs improving their financial position and government building incentive mechanism .