小微企业融资状况综合指数研究--广东视角

The Research on the Composite Index of Small and Micro Enterprises Financing Situation

本文尝试利用综合指数法,从融资获得性和融资成本两方面综合评估小微企业融资状况。研究表明:2013年以来广东省小微企业融资状况总体改善,与大型企业相比仍存在差距,且差距有所扩大;分地区看,珠三角和粤东西北小微企业融资状况存在差异,且经济下行期珠三角小微企业融资优势有所扩大。为此,应完善小微企业融资激励机制,发挥利率在改善小微企业融资获得性中的作用;同时应因地制宜完善区域小微企业融资政策。

This paper tries to assess the financing situation of small and micro enterprises(SME)through compos?ite index. The research shows that,the financing situation of Guangdong SME has improved overall since 2013,butstill lags behind the financing situation of large enterprises with the gap expanding. Seeing from different areas,thereare differences between the financing situation of Pearl River Delta and other parts of Guangdong province,with thesuperiority of the former expanding. Therefore,we should improve the incentive mechanism of SME financing,apply?ing interest rate mechanism to improve the financing availability of SME. Meanwhile,we should adjust the regionalSME financing policies according to local conditions.