中小企业银行融资的可获得性研究

A study on the availability of small and medium-sized enterprise to bank financing

针对中小企业银行融资难的问题,联系不同行业发展状况的差异,在行业发展前景处于优势、中等、落后层次的信息服务业、机械设备业和手工业3个行业进行实际走访调研,利用所获取数据,在Logistic模型基础上结合典型相关分析法,对影响中小企业银行贷款可获得性因素进行实证分析.结果表明,盈利能力、偿债能力、与银行关系密切、信用评级高和行业发展前景好等因素对于中小企业银行融资的可获得性有显著影响.但在不同发展前景的行业中,主要影响因素存在差异.

In view of the difficulty of financing small and between the development situations of different industries, medium-sized enterprises, combining to the differences use the actual survey data to study it through the survey to visit the industry in the development prospects of the advantages of medium and backward level of information services, machinery and equipment industry and handicraft industry. Based on the Logistic model, analyzes the factors that affect the availability of bank loans in SMEs by combining the typical correlation analysis method. The results show that profitability, solvency, close relationship with banks, high credit rating and good prospects for the development of the industry have a significant impact on the availability of financing for small and medium-sized enterprises. However, there have been significant differences among the main factors in the different level of industry.