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依据对商洛市210户小微企业金融服务需求情况的调研数据,本文分析了小微企业的生产经营状况和信贷需求特征。在此基础上,运用Logit模型对小微企业信贷需求的影响因素进行实证检验。结果显示,影响小微企业金融机构贷款满足程度的因素依次为企业的信用等级、总体经营状况、借款用途、自由资金比例、经营规模等,而企业特征、所属行业和有无专业的融资团队影响不明显。最后,分别从提高企业自身素质、优化金融资源配置和改善融资环境三个方面提出缓解小微企业融资难的对策。
Based on the survey data of the demand for financial services of 210 small and micro enterprises in Shangluo City, this paper analyzes the production and operation conditions and credit demand characteristics of small and micro enterprises. On this basis, we use the Logit model to test the influential factors of credit demand in small and micro enterprises. The results show that the factors influencing the satisfaction degree of loans to financial institutions in small and micro enterprises are in the following order: credit rating, overall business status, purpose of borrowing, proportion of free funds, scale of operation, etc., but the characteristics of enterprises, their industries and the availability of professional financing teams Not obvious. Finally, we put forward some countermeasures to alleviate the financing difficulty of small and micro-sized enterprises from three aspects: improving their own quality, optimizing the allocation of financial resources and improving the financing environment.