本文選題：金融支持　切入點(diǎn)：實(shí)體經(jīng)濟(jì)　出處：《西南金融》2016年12期

【摘要】：小微企業(yè)在中國經(jīng)濟(jì)發(fā)展中起著舉足輕重的作用,其面臨的困境之一是信貸約束�；�2013年中國家庭金融調(diào)查(CHFS)的數(shù)據(jù),本文從信貸申請(qǐng)率和申請(qǐng)通過率分析了中國小微企業(yè)信貸可獲得性較低的原因。研究發(fā)現(xiàn),在有銀行信貸需求的小微企業(yè)中,只有45.8%的企業(yè)獲得了貸款。中國小微企業(yè)信貸可得性水平較低,更多歸咎于較低的信貸申請(qǐng)率(57.8%),而不是申請(qǐng)通過率(79.2%)。運(yùn)用樣本選擇Probit模型,從企業(yè)特征、企業(yè)主背景、社區(qū)環(huán)境和地區(qū)發(fā)展四個(gè)方面分析了影響信貸可得性的原因,發(fā)現(xiàn)小微企業(yè)資產(chǎn)規(guī)模和盈利情況對(duì)于信貸申請(qǐng)率和申請(qǐng)通過率都是顯著的影響因素,地區(qū)發(fā)展更影響銀行信貸行為,社區(qū)環(huán)境更影響企業(yè)主借貸行為。為提高小微企業(yè)信貸可得性,本文提出三點(diǎn)建議:首先,普遍提高小微業(yè)主金融知識(shí),鼓勵(lì)更多小微企業(yè)申請(qǐng)貸款;其次,減少信貸市場的歧視現(xiàn)象;最后,放寬信貸申請(qǐng)門檻,允許金融業(yè)更多競爭。
[Abstract]:One of the dilemmas faced by small and micro enterprises, which play a pivotal role in China's economic development, is credit constraints, based on data from the 2013 China Household Finance Survey (CHFS). This paper analyzes the reasons for the low availability of credit for small and micro enterprises in China from the credit application rate and application pass rate. Only 45.8% of enterprises have received loans. The low level of credit availability of small and micro enterprises in China is more attributable to the lower credit application rate of 57.8% than to the application pass rate of 79.2%. Use the sample to select the Probit model, based on the characteristics of the enterprise, the background of the business owner, Four aspects of community environment and regional development are analyzed to analyze the reasons that affect the availability of credit. It is found that the asset size and profitability of small and micro enterprises are significant factors affecting both the credit application rate and the application pass rate. In order to improve the availability of credit for small and micro enterprises, this paper puts forward three suggestions: firstly, to improve the financial knowledge of small and micro business owners in general. Encourage more small and micro enterprises to apply for loans; second, reduce discrimination in the credit market; and finally, ease the barriers to credit applications and allow more competition in the financial sector.
【作者單位】： 西南財(cái)經(jīng)大學(xué);
【基金】：國家自然科學(xué)基金青年項(xiàng)目(71403219) 國家社會(huì)科學(xué)基金重大項(xiàng)目(批準(zhǔn)號(hào):14ZDB134)的資助
【分類號(hào)】：F832.4

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