基于调查问卷的蚌埠小微企业融资问题及对策研究

Questionnaire-based Research and Recommendations on Fund Raising Issues of Small Micro Enterprises in Bengbu City

通过走访企业后初步得出结论并依此设计问卷,调查蚌埠市小微企业发展中存在的融资问题。结果表明:蚌埠市小微企业获得资金的渠道狭窄且成本较高,企业通过银行获得资金意愿较高,利率高并非挤压企业利润最主要因素,部分企业从民间获得高利率资金。最后从金融机构、类金融机构、政府方面提出相应对策,以促进蚌埠市小微企业发展。

The questionnaire was designed basing on the outcome of visiting and analyzing relevant enterprises,aiming to investigate the existing problems in fund raising for small enterprises in Bengbu city. It has demonstrated in the result that the small enterprises in Bengbu are carrying high cost for rather narrow channels of obtaining funds. Those enterprises are more willing to obtain funds through banks. High interest rates are not the most crucial elements in squeezing away enterprises＇ profits. There are enterprises obtained funds bearing high interest from their local society. It has then raised corresponding recommendations with respect to financial institutions,and government should give some stimulating to small enterprises at the end for the development in Bengbu city.