信贷约束对民间融资行为影响的实证研究  

Empirical Study on the Impact of Credit Constraints on Private Financing

作　　者：张兰花[1] 曹玮[1] 

机构地区：[1]福建师范大学福清分校金融投资研究中心,福建福清350300

出　　处：《福建师大福清分校学报》2015年第3期28-33,共6页Journal of Fuqing Branch of Fujian Normal University

基　　金：福建师范大学福清分校社科研究项目<金融创新与县域民间融资风险控制研究--基于福建省福清市的实证分析>(项目编号ky2014031)

摘　　要：本研究从供给配给的角度,探讨小微企业民间融资行为产生的市场内部原因。研究采用意愿调查法,用非概率抽样和简单随机抽样相结合的方法对福建省福清市240家小微企业展开抽样调查。使用spss16.0软件统计软件,对小微企业222份有效问卷数据进行Logistic回归。模型表明小微企业在缺乏银行愿接受的抵、质押资产、缺乏与银行的长期稳定联系、缺乏政策或政策不配套、银行没额度的情况下,更倾向民间融资。By analyzing supply and rationing system , this research discusses the internal causes of the e-mergence of private financing for micro enterprises .By employing Contingent valuation method and a combination of non-probabilistic sampling and simple random sampling , a survey was administered on 240 micro enterprises in Fuqing City of Fujian Province .Based on the data of 222 valid questionnaires , using the SPSS16.0 statistical software, the logistic regression model was established .The results show that micro enterprises would prefer private financing in the case of the lack of pledge and mortgage assets which are required by banks , lack of long -term stable relation with banks , lack of credit policy or matched credit policies and lack of lending commitments .

关 键 词：信贷约束 供给配给 民间融资 小微企业 

分 类 号：F830.5[经济管理—金融学]