企业家能力、信用评级与中小企业信贷融资可获性--基于江浙地区中小企业问卷调查的经验研究被引量：28

Entrepreneur Ability,Credit Rating and Credit Availability of SMEs:Empirical Research Based on Data from SMEs in Jiangsu and Zhejiang Area

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摘要从企业家能力视角出发,以中小企业信用评级为桥梁,本文考察了企业家能力对中小企业信贷融资可获性的影响。理论分析发现,企业家能力可能通过"直接嵌入"与"间接嵌入"信用评级两条路径对中小企业信贷融资可获性产生影响。基于江浙地区中小企业问卷调查获得的经验数据,本文的经验研究证实了理论预期。本文结论为从企业家能力入手,完善基于中小企业信用评级的信贷融资技术,进而缓解中小企业融资难问题提供了有益的启示。 This article started with entrepreneur ability,introduced the concept of SMEs credit rating and discussed the impacts of entrepreneur ability on SMEs credit availability.Based on theoretical analysis,this text concluded two influence transmission approaches:'directly and indirectly inserted into' credit rating.The research data of this text were gathered from SMEs in Jiangsu and Zhejiang area by means of questionnaire surveys.The hypotheses testing results based on these data verified the deduction from theoretical analysis.The conclusion of this text can help to put forward some constructive suggestions on SMEs credit availability promotion in view of entrepreneur ability and SMEs credit rating

作者周中胜王愫

机构地区苏州大学商学院中国社科院财政与贸易经济研究所

出处《财贸经济》 CSSCI 北大核心 2010年第6期10-17,共8页 Finance & Trade Economics

基金国家自然科学基金项目“信贷配给约束下的企业家异质性特征与中小企业信贷融资研究”(编号:70872081)的资助

关键词中小企业企业家能力信用评级信贷融资可获性 SMEs,Entrepreneur Ability,Credit Rating,Credit Availability

分类号 F832.4 [经济管理—金融学]

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