地区金融环境与中小企业融资行为--基于苏州、无锡中小企业调查问卷的研究  

Regional Financial Environment and SME's Financing Behavior——Based on the Questionnaire of the SMEs in Suzhou and Wuxi

作　　者：万芊[1,2] 刘力[3] 

机构地区：[1]北京大学博士后流动站 [2]中国工商银行博士后科研工作站 [3]北京大学光华管理学院金融系

出　　处：《金融论坛》2010年第10期73-80,共8页Finance Forum

基　　金：国家社会科学基金项目《地区金融环境差异与企业投融资研究》(06BJY114)

摘　　要：本文基于苏州和无锡地区中小企业的调查问卷分析,总结了我国中小企业融资的行为特征,分析了影响中小企业融资和负债政策的内外部因素,尤其是外部经营金融环境变化对中小企业运营的影响。通过问卷调查发现,银企关系对中小企业融资具有重要影响力,但中小企业获取外部融资的难度还是比较大,对金融发展依赖也较大,且依赖渠道单一。在中小企业发展的金融环境总体水平不高的情况下,我们既需要加强金融机构、担保体系、信用评级体系的建设,推进金融环境建设,也要鼓励中小企业丰富融资渠道,发掘内部潜力,加强中小企业自身的资本积累。Based on the questionnaire of the SMEs in Suzhou and Wuxi, the paper summarizes the behavioral characteristics of the SMEs＇ financing and analyses the internal and external factors to impact the policy of the SMEs＇ financing and debt, in particular the external financial environment to impact SME＇s operation. Through the questionnaire, we find that it＇s difficult for the SMEs to access external financing. The SMEs rely on financial development more and the channel to rely on is single. While the level of the overall financial environment of the SMEs＇ development is not high, we should not only strengthen the construction of the financial institutions, guarantee system, credit rating system and financial environment, but also encourage SMEs to expand financial channels, explore their own internal potential and strengthen capital accumulation.

关 键 词：苏州 无锡 中小企业 地区金融环境 金融发展 融资行为 

分 类 号：F276.3[经济管理—企业管理] F832.4[经济管理—国民经济] F224