中小企业新型农村金融机构借贷需求及可得性的影响因素分析——基于陕西省中小企业调查数据

发布时间：2018-05-24 21:14

本文选题：新型农村金融机构 + 中小企业　；参考：《经济经纬》2013年06期

【摘要】：笔者根据陕西省中小企业在新型农村金融机构借贷情况的调查数据,通过建立Logit模型和Tobit模型,分别分析了中小企业对新型农村金融机构借贷需求及其借贷可得性的影响因素。结果表明,50%以上中小企业对新型农村金融机构具有借贷需求,其中60%以上中小企业能够足额获得贷款;中小企业对新型农村金融机构的借贷需求与企业的行业类型、信贷政策了解程度、银企关系、固定资产比率、流动比率正相关,与企业成立年限负相关;企业性质、企业员工数、信贷政策了解程度、固定资产比率对中小企业新型农村金融机构借贷可得性均具有负向影响。要提高中小企业在新型农村金融机构借贷的可得性,需要从企业、新型农村金融机构以及金融监管部门三个方面来改进。
[Abstract]:Based on the investigation data of the lending situation of the small and medium-sized enterprises in the new rural financial institutions in Shaanxi Province, the author analyzes the factors that affect the loan demand and the availability of the new rural financial institutions by establishing the Logit model and the Tobit model. The results show that more than 50% of SMEs have loan demand for new rural financial institutions, and more than 60% of SMEs can obtain loans in full. The degree of understanding of credit policy, the relationship between banks and enterprises, the ratio of fixed assets, the ratio of current, and the negative correlation with the years of establishment of the enterprise, the nature of the enterprise, the number of employees, the degree of understanding of the credit policy, The ratio of fixed assets has a negative effect on the loan availability of new rural financial institutions. In order to improve the loan availability of small and medium-sized enterprises in new rural financial institutions, it is necessary to improve them from three aspects: enterprises, new rural financial institutions and financial supervision departments.
【作者单位】：西北农林科技大学经济管理学院;
【基金】：教育部长江学者和创新团队发展计划资助项目(IRT1176) 国家自然科学基金项目(71073126) 高等学校博士学科点专项科研基金(20100204110030)
【分类号】：F832.35

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