Research on the Yunnan Small and Medium-sized Enterprise Economic Management Mode Innovation under Micro Business Environment

In this paper, we conduct research on the Yunnan small and the medium-sized enterprise economic management mode innovation under micro business environment. Small industrial clusters become the root cause of the important characteristics in today’s world economic development and so to speak, with the international competitiveness of industry cluster, which is the important guarantee of stay ahead in the developed countries and districts, the basic carrier of developing countries play a comparative advantage is the basis of transition countries achieve success across the industry. Under the impetus of the practice of the industrial cluster, constantly enrich and deepen the industrial cluster theory, formed the theoretical system of the system. Our research combines the theory of the micro business environment to propose the new business pattern that is meaningful.

A Study on Improving the Financing Environment of Small and Micro Enterprises-Based on Taizhou Model

China’s small and micro enterprises have always had the typical characteristics of“five,six,seven,eight,nine,”which are important supports to expand employment and improve people’s livelihood.However,the current proportion of these enterprises in obtaining bank loans does not commensurate with the proportion of small,medium,and micro enterprises in the total economic aggregate.The financing dilemma of small and micro enterprises still exists.In consideration of the financing status of small and micro enterprises,this study analyzes the constraints of small and micro enterprises in financing,such as the difficulty in mortgage,difficulty in obtaining loans,and difficulty in guaranteeing.This study sorts out Taizhou’s practical experience and links its operation mechanism of“two platforms,one fund,and one index.”Finally,by learning from its successful experience,how to utilize the environment and the trend of big data will be further discussed,so as to form a scalable and sustainable financing method and path.This will provide a reference for improving the financing environment of small and micro enterprises.

Social-enterprise-oriented Innovative Mode of Rural Micro-finance

The rural micro-financial innovation is necessary because the traditional regular financial institutions can not satisfy peasant households' demand of small-sum(or petty)loan and the support of present small-sum loan companies is limited for rural financial development.Taking Fuping Petty Loan Company as an example,we analyzed characteristics,reasonableness and continuity of social enterprise type peasant household petty loan mode.It is believed that this mode has enormous vitality in rural areas and has great promotion value.Petty loan companies have both internal and external shortages in their current development.We put forward countermeasures and suggestions for rural micro-financial innovation from legal status confirmation,fund supply and loan product innovation.

Behavioral Analysis of E-commerce Acceptance in Micro-enterprises

E-commerce present opportunities and challenges for businesses, especially for micro-enterprises. This paper proposed a theoretical framework that in line with the unique characteristics of E-commerce acceptance in micro-enterprises in Chengdu, which is based on the unified theory of acceptance and use of technology （UTAUT） model. The extending UTAUT model includes key constructs of performance expectation, perceived behavioral control and the characteristics of owner-managers.

银行数字化发展能助力小微企业纾困解难吗--来自城商行的经验证据

本文选取城商行数据为研究样本,研究了商业银行数字化发展对小微企业信贷供给的影响。研究发现,商业银行数字化发展与小微企业信贷供给之间呈现U型关系,随着商业银行数字化程度加深,其对小微企业的信贷供给呈现先降后升的趋势。究其原因:银行数字化发展初期投入成本高、公众认可度不高等因素抑制了数字化作用的发挥;随着银行数字化程度不断提升,数字化降低贷后风险和拓展服务渠道的作用逐渐显现,从而促进小微企业信贷供给的增加。同时,商业银行数字化发展对小微企业信贷供给的影响存在区域异质性。进一步研究发现:人民银行实施定向降准政策可以使得银行数字化发展对于小微企业信贷供给由抑制作用转为促进作用的拐点提前到来,对U型关系具有正向调节作用。

Empirical Research on the Credit Demand and Credit Behavior of Small and Micro Enterprises

This article uses discriminant sampling method to select 1062 small and micro enterprises from 25 provinces in China. Researches were conducted on their credit demand and credit behavior, with the Probit model to carry out metrologic tests on influential factors of these enterprises' credit demand and credit behavior.The metrologic analysis shows: Literacy level of leader, asset size, annual revenue of the enterprises have significantly positive effects on the credit demand of these small and micro enterprises. Annual revenue has significantly negative influence on overall credit behavior and the occurrence of informal financial behavior, but significantly positive influence on the occurrence of formal financial behavior. Literacy level of staff and asset size of enterprises have significantly positive influence on the occurrence of the overall credit behavior of small and micro enterprises.

Research on the Development of Rural Micro Enterprises in China

The great significance of rural micro enterprises to improving the farmers' incomes and rural economic development is pointed out.Through analyzing the existing funds,talents and system problems during the development of rural micro enterprises,it is proposed to construct and improve the financial credit system,strengthen education and training,enhance the construction of enterprise system and improve the leadership.

政企关系与小微企业融资可得性研究--基于中国小微企业调查(CMES)的经验证据

基于小微企业融资约束背景,以中国家庭金融调查与研究中心发布的2015年中国小微企业的调研数据为样本数据,实证检验政企关系对小微企业融资可得性的影响。研究发现:良好的政企关系能够显著提高小微企业银行信贷融资可获得性,但不能显著提高小微企业民间信贷融资可获得性。因此,小微企业融资约束影响因素的确认,可为小微企业与政府机构建立新型政商关系提供事实依据。

The Importance of Cultural Intelligence for Leader to Communicate Effectively: Case Study in Micro Small Medium Enterprises

Micro Small Medium Enterprises (MSMEs) in Indonesia play huge part of national economic development because MSMEs can reduce unemployment rate. But, it is not easy to manage MSMEs well so it can be sustainable. There are some reasons why MSMEs are difficult to sustain, i.e., good management people by communicate effectively. Authors believe that one of important ability that owners, as a leader, must have in order to communicate effectively is cultural intelligence. Even in MSMEs, cultural intelligence plays important part because employees in MSMEs are diverse. They come from different region (mean having different tradition) and have different level of education. Methodology that is used in this article is qualitative method, and techniques of data collection are interview and observation. Technique of choosing informant is purposive and convenience while data analysis is using content analysis. The result of this study shows that leaders in MSMEs already have cultural intelligence to communicate with their employee. Leaders who have cultural intelligence can choose right method to communicate effectively with their employee.

Measuring the Degree of Innovation in Retail and Services Micro and Small Enterprises

Micro and small enterprises （MSEs） are considered the most dynamic and flexible arrangement of activity. In the economy, the foundation and development of these features is important for the creation of the so-called ＂normal＂ economic environment. The main objective of this research is to present a research model of innovation in MSEs to analyse： first, the degree of innovation of MSEs, and second, how the innovation is handled by existing MSEs as a result of its business environment. The research made is based on a sample of 550 MSEs distributed over six cities across the Brazilian State of Piaui. The data were collected using the Innovation Radar application, which is owned by the SEBRAE Local Innovation Agents program. Statistical techniques of descriptive, exploratory, and inferential nature were used for corresponding data treatment and results validation. The results obtained suggest that MSEs have innovation capacity between the ＂Little Innovative＂ and ＂Occasional Innovative＂ range, and also that the average and the distribution of innovation levels are similar amongst MSEs analyzed.

A Study of the Awareness Level of Takaful Products Among Micro Enterprises in Malaysia

The small- and medium-sized enterprises （SMEs） play a vital role in the development of the Malaysian economy through its contribution of 32% of the country＇s growth domestic product （GDP）. However, the recent global financial crisis has exposed these enterprises to plausible risks that have resulted in some businesses being shuttered. Such predicament shows how crucial it is for SMEs to be prepared with some form of protection or Takaful to mitigate impending risks. The purpose of this study is to examine the extent to which micro enterprises are aware of Takaful and the benefits of its products. The study was conducted on respondents who fall into micro enterprise category located in Johor, Malaysia, and the research process involves a case study method which is in-depth interviews. The results of the current study provide an insight into how Takaful is regarded among SMEs and the need for these enterprises to be protected.

Countermeasures of Financing Difficulties of Small and Micro Enterprises in China

Financing difficult problem has seriously restricted the further development of small and micro enterprises in our country. This paper analyzes and discusses the Countermeasures of the financing difficulties of small and micro enterprises in our country from two aspects of the external environment and internal self.

Research on the Influence Degree and Effect of Support on Innovation Incentives for R&D Personnel in Micro and Small Enterprises:An Empirical Study based on the China Micro and Small Enterprise Survey(CMES)

In this study,the influence degree and effect of support on innovation incentives for research and development(R&D)personnel in micro and small enterprises(MSEs)were explored based on the CMES data.We found that government support will increase the R&D wage and widen the gap between R&D wage and staff wage,especially for small,non-high-tech enterprises with strict financing constraints.Furthermore,taking the wage gap as a mediator,we concluded that support would widen the wage gap and increase management innovation rather than technological innovation in MSEs because the wage premium of R&D personnel is the main driver for the increase of management innovation.The findings of this study provide useful enlightenment for China to implement an innovation-driven strategy and build an innovative country.

Financing of small and micro enterprises based on P2B net loan mode

Small and micro enterprises play an extremely important role in the realization of employment, independent innovation,increasing taxes and so on, It is an important part of national economic development in China. Although the government has introduced a series of supportive policies, but small and micro enterprises arc still faced with many development problems, small and micro enterprises face an important problem is financing difficulty, which relates to its health, sustainable and stable development. This paper analyzes the financing problem of small and micro enterprises from the new net loan mode of P2B, hoping to benefit the development of small and micro enterprises.

我国小微企业面对美国337调查的困境及应对策略--以皮卡车折叠盖337调查为例

研究分析小微企业面对美国337调查的困境及原因,发现小微企业调查前期应诉不足,应诉后多以基于和解和同意令从调查中撤出却无法达成有利局面,和解后缺乏长效机制。以皮卡车折叠盖调查案为例,通过宁波速派公司的应诉过程,总结提出了小微企业以规避设计为主、多种策略辅助的应对策略,以及基于高风险专利识别与分析的侵权防控及专利布局,以此形成调查后的长效机制。本文对于小微企业在未来对美出口贸易中遭遇337调查如何应对以及形成企业长期机制具有现实指导意义。

Development Strategies of E-commerce for Small and Medium - sized Enterprises

In the economic structure of our country, small and medium-sized enterprises （SMEs） are the most important part of the backbone, with the continuous popularization of the Internet, e-commerce has gradually become a business model that the current small and medium enterprises must face and accept, The development of enterprises is of great signifi cance. In this context, the article first introduced the importance of the development of e-commerce SMEs, and then based on the actual operation of the community put forward and analyzed the current e-commerce development under the existing problems, and finally based on the actual lack of effective Development Strategy of E - commerce for Small and Medium - sized Enterprises.

二十一世纪以来福建电影产业发展概况(2000-2019)

二十一世纪以来,福建电影产业逐步逆势而上。但从宏观环境、中观产业、微观行业三个维度研究发现,福建电影产业相较于全国其他省的电影产业在政策、制作、发行、放映等环节还存在一定距离。研究结果为福建电影产业和全国各省级电影产业的下一步发展提供参照。

Enterprise支架后释放结合微弹簧圈栓塞治疗颅内宽颈动脉瘤

目的探讨Enterprise支架后释放技术结合辅助微弹簧圈栓塞治疗颅内宽颈动脉瘤的安全性和疗效。方法回顾性分析2009年6月—2012年12月间采用Enterprise支架后释放结合微弹簧圈栓塞治疗22例25枚颅内宽颈动脉瘤患者的动脉瘤及载瘤动脉解剖形态、支架植入技术及栓塞情况。出院前及术后3～6个月进行DSA复查。结果 22例均成功置入支架,支架到位情况满意,载瘤动脉通畅。18枚动脉瘤完全栓塞(100%),5枚近完全栓塞(95%～99%),2枚不完全栓塞(95%以下)。出院前及术后3～6个月DSA复查,24枚动脉瘤未再显影,1枚动脉瘤瘤颈部分残留,形态规则,术后两次造影无明显变化,载瘤动脉均通畅无狭窄,所有患者未再发出血。结论 Enterprise支架后释放结合微弹簧圈栓塞治疗颅内宽颈动脉瘤安全可靠,动脉瘤栓塞致密,载瘤动脉通畅。

5-羟色胺转运蛋白显像剂^(11)C-DASB的自动化合成及Micro PET/CT显像

目的:自动化合成5-羟色胺转运蛋白显像剂11 C-DASB并进行大鼠Micro PET/CT显像;方法:通过改变甲基化试剂、溶解前体溶剂及反应条件,得到优化的标记条件作为碳-11多功能合成模块的输入参数,进行自动化合成11 C-DASB,大鼠静脉注射11 C-DASB 45 min后进行显像;结果:采用11 C-CH3-Triflate作为甲基化试剂,通入新配制的含1mg去甲基DASB前体的500μL DMSO溶液内,80℃下加热2min,标准率为63.7%,大鼠显像表明,11 C-DASB特异性的浓聚于SERT富集区域;结论:经优化,11 C-DASB自动化合成可得到较高产率,大鼠显像表明,其特异性浓聚于SERT富集区域,有望作为5-羟色胺转运蛋白显像剂。

绿色金融发展能否缓解小微企业融资困境——基于2009-2020年中国上市小微企业的经验证据

绿色金融发展能够改善企业的经营状况,从而缓解小微企业的融资约束水平。文章基于2009-2020年中国上市小微企业数据,采用双固定效应模型对绿色金融发展与小微企业融资约束之间的关系进行实证分析。研究表明,小微企业普遍面临融资约束,而绿色金融发展通过提高企业盈利能力、营运能力和扩大企业规模有效缓解其融资约束,但经济高速增长和金融业持续扩张会抑制绿色金融发展对小微企业融资约束的缓解作用;绿色金融发展越完善,其缓解小微企业融资约束的效果越显著,企业产权性质和产业性质的差异会使其缓解效果存在差异。因此,应从贯彻绿色发展理念、落实绿色金融政策、优化金融业结构等方面强化绿色金融发展对小微企业融资约束的影响,充分发挥绿色金融解决小微企业融资难题的作用以促进企业绿色转型。