摘要
农村中小企业是农村社会经济发展的主体,然而资金短缺已成为其发展的瓶颈。为加快农村中小企业融资的发展,不断提高融资意愿,本文在对山西省农村中小企业融资现状调查基础上,分析了农村中小企业金融需求特征,并运用Logit决策模型分析探讨了影响农村中小企业金融需求的主要因素。研究结果表明,企业规模小、预期收益率较低和企业资信度差等因素是造成企业融资意愿低的主要内部因素,同时,农村中小企业的融资市场因素、企业所处行业的竞争环境也对农村中小企业融资意愿有重要的影响。其中企业法人代表受教育程度、企业规模、企业资信状况、信贷担保及农村金融市场化程度等对农村中小企业融资意愿有着显著的影响。为此,提出的对策建议是要加强农村中小企业自身的建设,改善企业的经营状况,塑造企业的良好形象,提高企业经济实力;构建完善的农村融资环境;引进竞争机制以提高各金融机构的供给意愿。
Rural small and medium-sized enterprises （SMEs） are the main force of rural economic development. However fund shortage has become the bottleneck for its development. In order to speed up the financing development of rural SMEs and constantly improve the financing will, this paper analyzed the financial needs characteristics of SMEs in rural areas based on the survey of SEMs financing in rural areas of Shanxi, discussed main factors that impact the financial needs of SMEs in rural areas by using the Logit regression model. The result shows small-scale enterprises, low expected yield and poor corporate creditworthiness are the major internal factors causing low willingness of corporate finance. At the same time, financial institutions have an important impact on the rural SMEs financing market factors, corporate competitive environment of the industries in which rural SMEs financing willingness. Some of these previous factors do make a prominent difference to rural SMEs financing willingness, that is, different education levels of legal representatives, different scales, credit status, credit guarantees and rural finance＇s degree of marketization. Therefore, suggestions are put forward to strengthen the construction of the rural SMEs, improve the present state of enterprise operation itself, shape a good image of the enterprise and enhance the enterprise＇ s economic strength ; meanwhile, to construct a perfect rural financing environment and introduce competition mechanism which can enhance the supply will of financial institutions are advisable as well.
出处
《中国人口·资源与环境》
CSSCI
北大核心
2013年第3期87-91,共5页
China Population,Resources and Environment
基金
山西省教育厅高校哲学社会科学项目(编号:2012242)
关键词
农村中小企业
借贷
融资意愿
LOGIT模型
rural small and medium-sized enterprises
credit
financing desire
Logit model
