中小型企业融资影响因素实证研究

An Empirical Study of Factors Affecting SME Financing

中小企业在分散经济风险、熨平经济波动、深化经济体制改革、完善市场体系等方面发挥着十分重要的作用。然而,中小企业由于规模相对较小、经营风险大、资信等级低,在其创业与成长阶段面临诸多困难,其中,融资难是大多数中小企业发展的最大瓶颈。政府、银行、企业以及社会各界已经开始积极寻找解决中小企业融资难问题的办法和对策。本文通过构建中小企业融资影响因素模型,并辅以问卷和访谈研究的方式,对中小企业融资影响因素做了实证分析。针对中小企业融资的影响因素,提出了关于促进中小企业融资的研究结论。为中小企业融资方面的理论和实践工作做出了一点补充和建议。

The small and medium enterprises play a very significant role in diversifying economic risk, ironing economic fluctuations, deepening economic reform, improving the market system and so on. However, due to the relatively small size, larger operating risk, lower credit level, SMEs face many difficulties in their start-up and growth stage, which is the biggest bottleneck of the development of the majority of SMEs. Governments, banks,enterprises and all other sectors of the community have begun to actively find ways to solve the problem of SME financing. This thesis studies the factors influencing SME financing by empirical analysis. By building SME financing influence factors model, and by means of questionnaire and interview research, this thesis makes an empirical analysis of the impact factors of SME financing. The research conclusion is put forward to promote the financing of small and medium enterprises. The thesis have made a little supplement and suggestions of SME financing theory and practices.