对小微企业金融服务效率的评价

Evaluation of Financial Service Efficiency of Small and Mini Businesses

金融服务效率是影响企业发展的重要因素,对于普遍面临"融资难"的小微企业而言尤其如此。其中,能否获得贷款、获得贷款的金额多大、贷款审批周期多长等问题往往是小微企业最关心的金融服务内容。本文结合我国地方产业结构特点,综合运用系统抽样和随机抽样方法,选择了初次与金融机构发生信贷业务的小微企业,对近年来的小微企业金融服务效率进行了实证分析。结果显示,金融机构对小微企业金融服务效率总体上呈现先上升后下降的趋势,不同类型金融机构对小微企业金融服务效率不同。基于此,本文探讨了进一步提高金融服务效率的路径。

The efficiency of financial services plays a major role in enterprise development, especially for small and micro businesses which are faced with the common difficulty of financing. The ability to get the loan, the amount of loans and the loan approval cycle are the most concerned financial service content for small and micro businesses. Combining the structure characteristics of China＇s local industry, this paper employs both systematic sampling and random sampling, chooses small and micro businesses which cooperate with financial institutions on credit operation for the first time, thus to make an empirical analysis on the financial service efficiency for small and micro businesses in recent years. The result indicates that financial ser- vice efficiency for small and micro businesses provided by financial institutions shows an earlier increase and later decrease trend, and varies in different financial institutions. Based on the research, this paper discusses ways to further improve finan- cial service efficiency.