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农村中小企业因其规模等原因成为了信贷市场上信贷配给的首选对象。信贷配给不仅为信贷担保提供了理论支持,同时信贷担保还能够降低金融机构的信贷风险,减少信贷配给。本文通过调查数据分析表明,农村中小企业对信贷担保作用认知较高,非常希望通过信贷担保机构进行融资,同时通过Logistics计量检验也表明了信贷担保正向影响着农村中小企业融资意愿。因此,政府应加大对信贷担保机构的支持力度,进一步规范信贷担保机构运作等。
Due to their size and other reasons, rural SMEs have become the preferred targets of credit rationing in credit markets. Credit rationing not only provides theoretical support for credit guarantee, but credit guarantee can also reduce the credit risk of financial institutions and reduce the credit rationing. This paper through the survey data analysis shows that the rural small and medium-sized enterprises have a high cognition about the role of credit guarantee and hope to raise funds through credit guarantee institutions. At the same time, it also shows through credit measurement that credit guarantee positively affects the willingness of rural SMEs to finance. Therefore, the government should step up its support for credit guarantee agencies and further regulate the operation of credit guarantee agencies.