企业家能力对中小企业信贷融资约束的影响研究

发布时间：2019-07-02 09:19

【摘要】：摘要：根据各种调查与相关研究,我国中小企业在争取外部融资时,大部分中小企业仍将向银行贷款排在第一位,这显示银行在当前企业融资中仍占据绝对主导的地位。另一方面,中小企业在信贷市场上却遭受严重的融资约束,这直接制约了其在完善市场经济体系,吸纳劳动力,促进科技发展等方面作用的发挥。企业家是企业一切事务运转的轴心,在企业各项资源的运用与整合中扮演着关键的角色。同样,在信贷市场上,企业家对企业信贷资源的获得也具有非常重要的影响。基于此,本文拟探索企业家能力与中小企业信贷融资之间的关系。论文通过理论和实证,定性和定量相结合的方法,建立了企业家能力与企业信贷融资约束影响的理论框架,制定了企业家能力测量量表和信贷融资约束测量量表,并进行了相关的问卷调查,对调查结果进行了数理统计分析。论文研究结果显示,企业家能力对企业信贷融资约束具有显著负向影响,这种影响主要通过企业家关系能力,企业家管理能力,企业家风险承担能力以及企业家机会能力体现。
[Abstract]:Abstract: According to various research and relevant research, most of the small and medium-sized enterprises will still be the first to bank loans in the process of external financing, which shows that the bank still occupies an absolute dominant position in the current enterprise financing. On the other hand, the small and medium-sized enterprises are subject to serious financial constraints in the credit market, which directly restricts the role of the small and medium-sized enterprises in improving the market economy system, absorbing the labor force and promoting the development of science and technology. The entrepreneur is the axis of all the business operation of the enterprise, and plays a key role in the application and integration of the resources of the enterprise. Similarly, in the credit market, entrepreneurs have a very important impact on the availability of enterprise credit resources. Based on this, the paper intends to explore the relationship between the entrepreneur's ability and the credit financing of the small and medium-sized enterprises This paper, through the combination of the theory and the empirical, qualitative and quantitative method, establishes the theoretical framework of the influence of the entrepreneur's ability and the credit financing constraints of the enterprise, and sets out the scale of the entrepreneur's ability measurement and the measurement scale of the credit financing constraint, and makes the relevant questionnaire adjustment. The investigation is carried out on the result of the investigation. The results of the paper show that the ability of the entrepreneur has a significant negative effect on the credit financing of the enterprise, and the influence is mainly through the relationship ability of the entrepreneur, the ability of the entrepreneur to manage, the ability of the entrepreneur's risk and the ability of the entrepreneur to take the opportunity.
【学位授予单位】：中南大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F276.3;F832.4;F272.91

【共引文献】