科技型小微企业融资需求错配的原因及对策——以宁波为例

Research on Reasons and Countermeasures of the Mismatch of Technological SMEs' Financing Demand: Taking Ningbo as an Example

科技型小微企业的融资需求错配,是伴随融资难的一个"影子"问题。为了解决这一问题,发展数字普惠金融是一个值得尝试的方向。通过调研和抽样问卷调查,以宁波177家科技型企业负责人的主观评判为研究样本,对其融资匹配情况进行评价,结论如下:宁波科技型企业的融资需求错配情况较为显著,即企业规模越小,企业负责人对融资需求数量和产品结构的感知满足度越低。主要原因是金融机构乏力、小微企业误判和外部监管职能失效,建议从创新监管模式、建设数字普惠金融体系和完善融资服务市场等方面予以改善。

The mismatch of technological SMEs’ financing demand is a "shadow" problem accompanied by their financing difficulties. In order to solve this problem, the development of digital inclusive finance is a direction worth trying. On the base of investigation and sample questionnaire survey, this paper evaluates the financing matching of 177 Ningbo scientific and technological enterprises by taking the subjective evaluation of the their leaders as the research sample. It concludes that the mismatch of financing needs of Ningbo scientific and technological enterprises is significant, and "the smaller the scale of enterprises, the lower the perceived satisfaction degree of products quantity and product structure that can obtain from financial markets". The main reasons are the weakness of financial institutions, the misjudgment of SMEs and the failure of supervision functions. It is suggested to innovate the supervision mode, build a digital inclusive financial system and improve the financing service market.