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在现阶段中国经济下行压力较大和资金链偏紧的新常态背景下,供应链金融不啻是解决中小企业融资难的一剂良方。本文通过在问卷星网络平台进行问卷调查,并采用描述统计和计量分析相结合的方法对这一问题进行了研究。结果表明,企业融资难易程度与是否是核心企业、企业的资产规模、融资成本、担保情况和银行支持等因素有关。非核心企业要比核心企业融资难、融资成本高。为更好地解决这一问题,应大力发展多样化的担保手段,提高担保机构的运行效率和服务质量,引入小微企业贷款保证保险机制,建立多元化的融资体系,充分引入竞争机制等措施。
In the current context of the new normal of greater downward pressure on the Chinese economy and tight capital supply chain, supply chain finance is a recipe for resolving the financing difficulties of SMEs. In this paper, a questionnaire survey is carried out on the questionnaire star network platform, and the method of combining descriptive statistics and econometric analysis is used to study this issue. The results show that the difficulty of financing is related to the factors such as the size of the core enterprises and enterprises, financing costs, guarantee and bank support. Non-core enterprises than the core business financing difficult, high financing costs. In order to better solve this problem, we should vigorously develop diversified guarantee measures, improve the operating efficiency and service quality of guarantee agencies, introduce the guarantee mechanism for loans to small and micro enterprises, establish a diversified financing system and introduce competition mechanisms fully .