摘要
本文首先从小微企业融资现状及存在的问题出发,以新疆为例,运用近三年人民银行乌鲁木齐中心支行开展的新疆小微企业信贷政策导向效果评估结果作为依据,分析金融机构在支持小微企业发展方面的具体情况。其次通过调研问卷所得数据,针对调研小微企业融资困难的影响因素采用Logit概率型非线性回归模型开展实证研究。经过实证分析,得出结论:银行支持、信用评级、政府帮扶政策、小微企业盈利能力可以有效减少小微企业融资困难,担保机构未能缓解小微企业融资困难,小微企业自身发展不佳是制约融资难易度的重要因素。
First of all,from the specific situation of Xinjiang’s financial institutions in supporting the development of small and micro-enterprises from the perspective of financial supervision and based on the results of the evaluation of Xinjiang’s small and micro-policy policies conducted by the People’s Bank in the past three years.Secondly,from the perspective of small and micro enterprises,based on the data obtained from the survey questionnaire,an empirical study is conducted on the influencing factors of the financing difficulties of the surveyed enterprises using Logit probability nonlinear regression model.After empirical analysis,it is concluded that bank support,credit ratings,government assistance policies,and profitability of small and micro enterprises can effectively reduce the financing difficulties of small and micro enterprises,guarantee institutions cannot alleviate the financing difficulties of small and micro enterprises,and the poor development of private enterprises of small and micro enterprises is an important constraint on financing difficulties.
作者
冯梅
尉昭
徐媛
Fengmei;Weizhao;Xuyuan(Central Sub-branch,the People’s Bank of China;Aletai Regional Center Branch,the People’s Bank of China;Changjizhou Central Sub-branch,the People’s Bank of China)
出处
《金融发展评论》
2020年第2期92-109,共18页
Financial Development Review
关键词
金融监管
民营小微企业
融资难
financial supervision
private small and micro enterprises
financing difficulties
作者简介
通讯作者:冯梅,中国人民银行乌鲁木齐中心支行
