ICT Service Platform Promotes Small and Medium Enterprise Informatization

Information and Communication Technology (ICT) service platform,combined with information technology,communication technology and corresponding applications,is essential for small and medium enterprises to realize their informatization. The broadband business platform put out by China Netcom provides new generation of integrated ICT services which focus on service and would be rented to customers. Broadband business platform could satisfy varieties of informatization demands made by small and medium enterprises such as low investment,fast reaction,individuation and security. It could effectively assist small and medium enterprises to achieve informatization.

The Thinking of Financing under Dual Economies Character In Medium & Small Enterprises

In China,the dual economies show prominence in financial field.It leads to the serious dual credit ration and becomes one of the main cause which makes financing in medium & small sized enterprises becomes harder and harder.On basis of this situation,we theoretically pose that we can alleviate the difficulty through the dual cooperation of financial control and the deepening of finance.

The Importance of Small and Medium Enterprise Development for Efficient Global Market Environment

Small and medium enterprises(SMEs)play an important role in the world economy.Modern trends in the development of small and medium enterprises imply a constant increase in their role in the total income of an economy.For such an approach,it is important to achieve quality organizational and managerial concepts of planning strategy development.In many countries,small businesses dominate in the production of a number of smaller products,higher consumption,and high quality of these products.The concept of a small economy consists of a group of companies that stand out in terms of their characteristics in relation to large companies.In relation to large companies as business systems,SMEs differ based on the concept of their own organization’s business,the volume of business,and the availability of resources.Research data show that the main obstacle to efficient continuous business of SMEs in the world is the procurement and maintenance of business resources.Ensuring continuity in production is often a problem of lack of resources,which primarily characterizes them in relation to large companies.Small business and entrepreneurship are the main backbone of today’s economic development,viewed globally.The purpose of the development of small and medium enterprises in the world is to enable the development of a successful and flexible entrepreneurial climate as an important organizational determinant,which is a prerequisite for progress in the modern world economy.The feature of SME development is the innovation of employees that needs to be constantly developed.In that way,conditions are provided for technological development,formation of flexible organizations,and new employment.In practice,small and medium enterprises are the engine of economic development.It is a sector that promotes private property and entrepreneurial skills.According to experts on economic issues,SMEs are today and in the future,not only in Serbia,the Region,but also in the world,a synonym for the private sector-for entrepreneurship.Comparative analysis shows the advantage of SMEs,especially in flexible business,where they can quickly adapt to change and can fully meet market demands.

The Study on the Problem of the Relationship between the “Heterogeneity” of the Neighbor Enterprise and the Financing Efficiency of SMEs in China<br/>—Empirical Data from China Industrial Enterprises Database

This article tries to introduce the perspective of the “heterogeneity” of the neighbor enterprise into the research on the problem of the financing efficiency of the small and medium sized enterprises (SMEs). It takes enterprises in the China industrial enterprises database from 2005 to 2007 as the object of the research and defines the neighbor enterprise at a town (village, street) scale. This article selects the financing efficiency, enterprise scale, technical innovation of enterprise as the indexes to measure the “heterogeneity” of the neighbor enterprise, and examines whether they have a significant relationship with the enterprises themselves or not. Through building panel data model and the empirical analysis, this article finds that the financing efficiency and the degree of technological innovation of the neighbor enterprise are positively related to the financing efficiency of enterprises themselves, and the scale of the neighbor enterprise has a negative correlation with the financing efficiency of enterprises themselves. What’s more, this paper distinguishes the neighbor enterprise from the industry unusual neighbor according to whether enterprises are belong to the same industry or not at the same town(village, street), finding the neighbor enterprises which are the same industry have a great more relationship with the financing efficiency of SMEs than the neighbor enterprises which are the non trade.

Delivery Service Management System Using Google Maps for SMEs in Emerging Countries

This paper proposes a Delivery Service Management(DSM)system for Small and Medium Enterprises(SMEs)that own a delivery fleet of pickup trucks to manage Business-to-Business(B2B)delivery services.The proposed DSM system integrates four systems:Delivery Location Positioning(DLP),Delivery Route Planning(DRP),Arrival Time Prediction(ATP),and Communication and Data Sharing(CDS)systems.These systems are used to pinpoint the delivery locations of customers,plan the delivery route of each truck,predict arrival time(with an interval)at each delivery location,and communicate and share information among stakeholders,respectively.The DSM system deploys Google applications,a GPS tracking system,Google Map APIs,ATP algorithms(embedded in Excel Macros),Line,and Telegram as supporting tools.To improve the accuracy of the ATP system,three tech-niques are applied considering driver behaviors.The proposed DSM system has been implemented in a Thai SME.From the process perspective,the DSM system is a systematic procedure for end-to-end delivery services.It allows the interactions between planner-driver decisions and supporting tools.The supporting tools are simple,can be easily used with little training,and require low capital expenditure.The statistical analysis shows that the ATP algorithm with the three techniques provides high accuracy.Thus,the proposed DSM system is beneficial for practitioners to manage delivery services,especially for SMEs in emerging countries.

Financing Alternatives for Chinese Small and Medium Enterprises: The Case for a Small and Medium Enterprise Stock Market

在中国为小、中等的企业资助选择在现在的学习被讨论。特别地，我们分析重要变化，在中国 s 的开发第二上证券市场。地区性的财产和公平的广泛的网络交换的中国 s，它被设置便于私人公平转移，和非执行的贷款交易似乎部分为小、中等的企业充满虚空，它不能容易为在股票交易所列出获得赞同。外国投资者能通过这些地区性的财产和公平交换在非列出的国内国有、私人的企业识别投资机会。同时，外国证券市场现在正在吸引年轻中国企业在他们的交换上列出他们的股票。

数字经济与中小企业生存:促进或抑制?

数字经济发展浪潮下,促进中小企业生存是中国经济高质量发展的重要路径。本文在理论分析基础上,结合采用因子分析法构建的2014—2021年城市数字经济发展指数和中小企业生存能力指数,实证检验了数字经济对中小企业生存的影响及其机制。研究发现,数字经济发展对中小企业生存具有显著的正向作用。这一结论在进行多种稳健性检验后仍成立。机制分析发现,数字经济发展具有融资约束缓解效应和代理成本节约效应,即数字经济通过优化中小企业自身融资能力和外部融资环境缓解融资约束,通过减少信息不对称和管理者决策过程中的非理性降低代理成本,进而促进中小企业生存。异质性分析发现,数字经济发展对东中部地区、制造业和管理效率高的中小企业的正向促进作用更显著。

民营粮食收购企业供应链融资模式选择的影响因素研究

论文针对东北三省中小民营粮食收购企业存在融资难的问题,选取东北三省中小民营粮食收购企业收储供应链为研究对象,首先,通过问卷调查得出:一是这类企业选择供应链融资模式频率由小到大依次为“应收账款类融资模式”“信用类融资模式”“存货类融资模式”;二是在下游购销企业主导的粮食收储供应链金融中,以其自身资质向中小民营粮食收购企业提供担保的意愿不高;三是中小民营粮食收购企业认为政商关系总体在合格以上。其次,运用多变量Probit模型,得出供应链融资模式选择影响机理:贷款期限对信用类融资模式选择有显著的正向影响,政府对这类企业的服务水平正向影响着存货类融资模式选择。最后,得出政策启示:政府应提高服务水平精准到选择存货类融资模式的企业,通过优质中小企业梯度培育政策鼓励中小民营粮食收购企业兼并,鼓励银行扩大资产负债率的融资条件到8%—20%。

数字金融能缓解中小企业融资约束吗?——来自中小板上市企业的经验证据

作为数字技术与金融创新深度融合的产物,数字金融为缓解中小企业融资约束提供了可能。基于2012—2020年中小板上市企业的数据,实证检验了数字金融对中小企业融资约束的影响效应及机制效应。研究结果显示:数字金融对于缓解中小企业融资约束具有长期驱动作用;结构效应表明数字金融覆盖广度、使用深度是主要驱动力;异质性分析表明数字金融在大规模企业、高信息披露质量企业、制造业以及经济欠发达地区的驱动作用更强;机制分析显示数字金融能够通过提高金融资源配置效率、降低中小企业融资成本两大渠道缓解中小企业融资约束。

我国民营银行的发展现状、问题与对策建议

进入新时代以来,基于解决我国金融业发展不平衡不充分问题与优化金融市场结构体系的现实需要,国家出台了一系列政策支持民营银行的发展,民营银行由试点阶段进入到常态化经营阶段,资产负债规模和盈利能力大幅提升,逐渐成为服务中小企业的主力军。然而,由于战略定位不清晰、公司治理机制待完善、资本金支撑不足、抗风险能力较弱等问题,目前民营银行正面临严峻的挑战。因此,在未来的发展中,民营银行应坚定差异化经营,注重小微、民营、普惠等领域;完善公司治理机制,拓展资本金来源渠道;加强人才队伍建设,提高金融服务质量;借助金融科技,加快数字化转型,提升风险识别、防控和化解能力。同时,政府部门要强化政策引导,完善监管措施,助力民营银行更好地服务于实体经济。

中小企业数字化转型融资赋能机制的演化博弈——基于供应链金融视角

改善中小企业融资困境,加速中小企业数字化转型,对中小企业高质量发展具有重要意义。核心企业通过数字化服务平台支持和信贷担保支持,可以有效地为中小企业数字化转型融资赋能。从供应链金融视角切入,融合数字化服务平台和政府补贴,设计核心企业为中小企业数字化转型融资赋能的机制,通过演化博弈模型分析机制有效性,通过数值仿真进一步探寻初始积极策略比例、政府补贴、参与成本等不同因素对机制效果的影响。研究发现:中小企业、核心企业、金融机构选择积极策略的初始比例越高,博弈系统收敛到帕累托最优状态的概率越高;政府补贴有助于中小企业数字化转型融资赋能机制顺利发挥作用,但在博弈主体初始积极策略比例较低时的边际效用较弱;降低博弈主体的参与成本是促进博弈系统向帕累托最优状态演化的重要途径。

供应链金融视角下新能源汽车制造业信用风险传导及防范

供应链金融作为中小企业融资的重要途径,能够帮助企业缓解融资困难,但同时存在的信用风险不容忽视。本文通过分析供应链金融视角下新能源汽车制造业中供应链金融的三种融资模式,结合新能源汽车制造业的发展特点,总结不同模式下信用风险的来源,从直接业务关系和间接关系两个角度探讨供应链金融中信用风险的传导机制,并提出提高中小企业风险抵御能力、提高核心企业贷款担保能力、提高三方平台信息共享能力、提高物流企业质押物管理能力、深化金融机构信用风险监管能力的防范建议,进而促进供应链金融健康发展。

政银企风险共担支持企业科技创新研究——以江苏省昆山市综合风险池为例

本文基于对江苏省昆山市综合风险池46家企业的访谈,分析了风险共担机制支持企业科技创新活动的实效与机制,得出如下结论:第一,风险共担机制对缓解企业融资约束、改善银企对接质效有积极作用。第二,风险共担机制能够改善企业跨周期研发投入的稳定性,并以此提升科技成果转化效率。第三,综合风险池作为风险共担机制的一种创新,在发生外生冲击及宏观经济低迷时更能发挥这类政策的积极作用。本文的发现为进一步完善风险共担机制的跨周期性与稳定性提供了现实参考,也为其支持企业科技创新提供了经验证据。