小微企业信贷需求与信贷行为实证研究  

The Empirical Study on Credit Demand and Behavior of Micro-enterprises

作　　者：王定祥[1,2] 张争美[1] 李伶俐[1,2] 

机构地区：[1]西南大学经济管理学院,重庆400715 [2]西南大学农业教育发展研究中心,重庆400715

出　　处：《软科学》2014年第12期69-72,共4页Soft Science

基　　金：国家社会科学基金项目(13AJY019;12CJY062;10BJY082);教育部人文社会科学基金规划项目(11YJA790146);教育部新世纪优秀人才支持计划项目(NCET-13-0962);重庆市人文社会科学研究基地项目(12SKB019);西南大学人文社会科学基金项目(12XDSKZ005)

摘　　要：运用判别抽样法,对全国25省1062家小微企业信贷需求与借贷行为进行调查,运用Probit模型对其影响因素进行检验。调查发现:小微企业普遍有中短期信贷需求,但满足率低,且高度依赖非正规借贷。计量分析表明:企业领导文化水平、资产规模、年经营收入对其信贷需求有显著正向影响;年经营收入对正规与非正规借贷分别有显著正向、负向影响;员工平均文化水平和资产规模对其借贷行为有显著正向影响。By the judgment sampling this paper selects 1062 micro-enterprises in China and Investigate their credit demand and behavior,and examine their influencing factors with Probit Model. The survey shows that most of the micro- enterprises have credit demand of short or medium term,but the most did not get satisfied,and a large portion of credit came from informal finance. The result shows that education levels of the leader,the asset size,and the annual income have significant effect on their credit demand; the annual income has a negative effect on informal loan,has a positive influence on formal loan. Worker＇s average education level and the asset size have a positive effect on their credit behavior.

关 键 词：小微企业 信贷需求 信贷行为 影响因素 

分 类 号：F832.4[经济管理—金融学]