摘要
我国农村中小企业融资难是一个共识。现有研究表明,融资难主要表现为很难从正规金融渠道获取资金,非正规金融是当前农村中小企业外源性融资的主渠道。本文利用一项全国农村金融调查所得数据,用计量经济模型实证分析我国农村中小企业融资行为及对企业发展的影响。本文研究发现,不同融资渠道的金融供给对企业发展扩张和企业效益提升没有显著的不同影响。因此,对我国农村中小企业而言,目前最重要也是最根本的是要大幅增加农村地区的金融供给总量,完善对农村中小企业的金融服务体系,这样才可能有效突破中小企业融资瓶颈。
SME development in rural areas is conducive to promoting rural economic growth, but the financing shortage of SME has become the bottleneck of rural development in China. In this paper, Based on the 2005 national rural financial database provided by State Council Development Research Center and the econometrical and empirical model, the paper studies the financing problem of SMEs in Chiha~ rural areas and the impact on their development. The result shows that the different funding channels have no significant effect on the developing expansion and the efficiency enhancement of enterprises. Therefore, the author points out that the most important and fundamental way is to substantially increase the total financial supply in rural areas and improve the financial service system for rural SMEs so that they could effectively break the bottleneck of SME financing and to really solve the financing problem.
出处
《金融研究》
CSSCI
北大核心
2009年第7期146-160,共15页
Journal of Financial Research
关键词
农村金融改革
农村中小企业
融资渠道
企业发展
rural financial reform, rural SMEs,financing channels enterprise development
