基于模糊综合评价分析的中小企业融资模式创新研究

Innovation of Financing Mode of Small and Medium-sized Enterprises on Fuzzy Comprehensive Evaluation

中小企业在国民经济增长过程中起到了十分关键的作用,而中小企业面临筹资难是阻碍其持续发展的瓶颈之一。在此背景下,文章对传统中小企业融资结构及问题进行深入探讨,分析影响中小企业融资效率的因素,建立中小企业融资效率评价的模糊综合评估模型,对中小企业融资形式创新提出建议。实证结果表明,国内中小企业融资方式的融资效率:企业内部融资效率>银行贷款融资效率>民间融资效率>债券融资效率>股权融资效率。根据文章研究结论,结合实际情况,提出中小企业融资模式创新优化建议。

Small and medium-sized enterprises play a very key role in the process of national economic growth,and the financing problem of them is the biggest bottle-neck hindering their sustainable development at present.Based on in-depth analysis of the traditional financing structure and problems of these enterprises,this paper expounds the factors affecting the financing efficiency of small and medium-sized enterprises,establishes a fuzzy comprehensive evaluation model of financing efficiency of small and medium-sized companies,and studies the innovation of financing forms.The empirical results show that the financing efficiency of domestic small and medium-sized enterprises is as follows:internal financing efficiency > bank loan financing efficiency > private financing efficiency > bond financing efficiency > equity financing efficiency.Basis According to the research conclusion of this paper,combined with the actual situation,the author puts forward some suggestions on the innovation and optimization of financing mode of small and medium-sized enterprises.