地区金融环境与中小企业融资行为——基于苏州、无锡中小企业调查问卷的研究

发布时间：2018-06-25 22:12

本文选题：苏州 + 无锡　；参考：《金融论坛》2010年10期

【摘要】：本文基于苏州和无锡地区中小企业的调查问卷分析,总结了我国中小企业融资的行为特征,分析了影响中小企业融资和负债政策的内外部因素,尤其是外部经营金融环境变化对中小企业运营的影响。通过问卷调查发现,银企关系对中小企业融资具有重要影响力,但中小企业获取外部融资的难度还是比较大,对金融发展依赖也较大,且依赖渠道单一。在中小企业发展的金融环境总体水平不高的情况下,我们既需要加强金融机构、担保体系、信用评级体系的建设,推进金融环境建设,也要鼓励中小企业丰富融资渠道,发掘内部潜力,加强中小企业自身的资本积累。
[Abstract]:Based on the questionnaire analysis of SMEs in Suzhou and Wuxi, this paper summarizes the behavioral characteristics of SME financing in China, and analyzes the internal and external factors that affect the financing and debt policy of SMEs. Especially the influence of the change of external financial environment on the operation of small and medium-sized enterprises. Through the questionnaire survey, it is found that the relationship between banks and enterprises has an important influence on the financing of small and medium-sized enterprises, but the difficulty of obtaining external financing for small and medium-sized enterprises is still relatively large, the dependence on financial development is also greater, and the dependence channel is single. As the overall level of the financial environment for the development of small and medium-sized enterprises is not high, we need to strengthen the construction of financial institutions, guarantee systems, credit rating systems, and promote the construction of financial environment. We should also encourage small and medium-sized enterprises to enrich their financing channels. Explore internal potential, strengthen the capital accumulation of small and medium-sized enterprises themselves.
【作者单位】：北京大学博士后流动站;中国工商银行博士后科研工作站;北京大学光华管理学院金融系;
【基金】：国家社会科学基金项目《地区金融环境差异与企业投融资研究》(06BJY114)
【分类号】：F276.3;F832.4;F224

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