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.

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.

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.

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.

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.

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。

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。

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。

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。

数字普惠金融与中小微企业技术创新--基于中国新三板企业的证据

数字普惠金融是一种全新的综合性金融业态,它以互联网、大数据、云计算等技术为基础,为尾部客户群体提供了高效多元的金融服务。文章以2011—2020年中国新三板挂牌企业作为研究样本,实证检验了数字普惠金融发展在中小微企业技术创新过程中发挥的作用。结果显示:数字普惠性金融发展通过减少政府投资约束、降低市场信息的不对称程度鼓励了小微企业创新,而这种激励效果对于非国有公司以及中西部区域企业有着更高的边际效应。

数字金融对小微企业绩效的影响机制与实证检验--基于中国小微企业调查(CMES)的证据

数字金融是数字技术与金融的高度融合形成的产物,数字金融的发展为小微企业提供了发展机会。本文将北京大学数字普惠金融指数和中国小微企业调查(CMES)数据相结合,旨在研究数字金融对小微企业绩效的影响效果与作用机制。研究发现:数字金融能够通过缓解小微企业融资约束、提高信贷可获得性来提升企业绩效;还能通过改善研发投入经费不足,为小微企业提供创新动能;数字金融对小微企业绩效提升的作用在未能实现技术创新、未进入产业园,以及地处城镇的企业中更强。

组合式税收优惠与小微企业创新--基于中国小微企业调查的证据

提升创新能力是小微企业可持续发展的关键驱动力。基于中国小微企业调查数据,文章利用工具变量法和多重处理效应模型,实证考察了企业所得税减半征收和增值税起征点提升两种税收激励对小微企业创新的组合式作用。研究结果发现:整体上,企业所得税减半征收对小微企业创新具有显著的激励作用,而增值税起征点提升的效果不显著,但有助于增强企业所得税减半的激励效果,二者表现为积极的政策协同作用;机制分析表明,政策组合有助于降低企业的流动性约束和税收负担,并释放积极的政策信号;进一步地,政策组合的创新激励效应显著存在于技术型企业、行业预期前景好、社会经济关注度高以及中西部地区企业中。文章结论有助于为进一步对实施新的小微企业减税降费政策提供经验上的启示。

小微企业危险废物收集平台可行性研究--以江苏省某园区为例

小微企业危险废物收集平台能够有效防范环境风险和隐患,平台落地前开展可行性研究有利于平台稳定健康发展。选取江苏省某园区为研究对象,调查基准年为2021年,通过资料收集、文献研究、实地调研等方式调查分析园区危险废物产生单位分布特征、危险废物类别分布特征和危险废物环境风险分级,同时开展了平台成本分析、收入分析和效益分析。结果表明平台收集的危废总量为159.96t/a,当危废收集收入和处置成本分别为6000、4000元/t,平台利润为57.2万元/年,1年即可回本。通过小微企业危废收集平台可行性研究,为后续平台建设并投入使用提供参考,也为其他地区小微企业危废收集工作提供了一定的借鉴意义。

基于SWOT-AHP分析跨境小微企业发展的战略选择

跨境电商是对外贸易发展的新业态模式,是外贸转型升级的新引擎。小微企业是社会的重要组成部分,在当前国际形势影响下,小微企业发展面临着巨大压力。本文结合BG公司实践,对BG公司跨境电商进行SWOT-AHP方法分析认为,BG公司应重点转移经营子类目,开拓细分市场;定制包装与产品逐步打造品牌;优化跨境物流模式及加强站内营销推广,拓展海外社交营销等战略。

民营小微外贸企业数字化转型升级的内在逻辑和实现途径——以社交媒体赋能促进新质生产力形成视角

企业规模门槛效应阻碍了小微企业数字化转型升级中新质生产力的形成,尤其是民营小微外贸企业受规模限制普遍对数字化转型升级抱有“用不起、不会用、不愿用”的消极态度。近年来,国外消费者通过社交媒体进行购物的新消费模式正在形成。社交媒体具有低成本、高覆盖和精准定位的特点,易于改造成为跨境信息传播、营销推广的重要平台,为民营小微外贸企业数字化转型升级带来了新视野,提供了新机遇。本文针对民营小微外贸企业“两大、四缺乏”的现状,揭示了数字化转型升级带来的“四升一降”效应,并提出利用信息获取与反馈、市场拓展与推广、跨境交流与合作等机制,企业通过建立专业化团队、制定清晰策略、优化线上渠道、加强客户沟通等路径,创新出“社交媒体数字营销+小微外贸企业生产”深度融合的外贸新模式,培育新质生产力,促进传统产业转型升级和高质量发展。

数字政府建设促进小微企业创业了吗?——来自浙江省中小企业公共服务平台的证据

数字政府建设是优化营商环境、激发市场活力的重要手段,在促进中小企业创业中发挥重要作用。政府数字化企业服务平台是应用最广的数字政府建设载体之一。本文以浙江省中小企业公共服务平台建成运营为准自然实验,结合浙江省小微企业注册数据,对数字政府建设的创业促进效应进行实证估计。结果发现,通过提供市场信息和匹配服务需求,浙江省中小企业公共服务平台建设降低了市场进入壁垒,促进了小微企业创业,且该创业促进效应在创业环境差的地区更显著。