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科技型小微企业融资需求错配的原因及对策——以宁波为例 被引量:6

Research on Reasons and Countermeasures of the Mismatch of Technological SMEs' Financing Demand: Taking Ningbo as an Example
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摘要 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.
作者 阎永哲 贺翔 陈泱 YAN Yongzhe;HE Xiang;CHEN Yang(Science & Technology School of Ningbo University,Ningbo,Zhejiang,315212,China;Business School of Ningbo University,Ningbo,Zhejiang,315211 ,China;Rural Credit Cooperatives of Urban District in Ningbo,Ningbo,Zhejiang,315016,China)
出处 《浙江树人大学学报》 2019年第3期36-42,共7页 Journal of Zhejiang Shuren University
基金 国家社科基金一般项目(15BGL199) 浙江省软科学研究计划(2019C35084) 宁波市软科学项目(2017A10023)
关键词 科技型小微企业 融资需求错配 数字普惠金融 融资难 融资贵 technological SMEs mismatch of financing demand digital inclusive finance financing difficulty high-cost financing
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