小微企业支付成本影响因素研究——基于新疆抽样调查分析  

Research on the Factors Affecting the Payment Cost of Small and Micro Enterprises Based on the analysis of Xinjiang sample survey

作　　者：冯梅 Feng Mei(Urumqi Central Sub-branch,the People's Bank of China)

机构地区：[1]中国人民银行乌鲁木齐中心支行

出　　处：《金融发展评论》2022年第6期65-79,共15页Financial Development Review

摘　　要：小微企业支付成本是制约小微企业健康发展的重要因素之一,探明小微企业支付成本影响因素,对于发现和改善微观市场个体融资贵的问题意义重大。文章利用调研数据与Logit回归模型,基于新疆小微企业样本,从银行收费方与企业付费方双向视角研究发现:(1)从银行收费端来看,收费定价机制不明确、收费监管制度不健全、分支机构收费标准未贴合本地实际、小微企业收费无减免、重复收费等问题比较突出。(2)从企业付费端来看,偏向使用电子渠道办理资金结算业务、营业收入高、从业人数多、所属区域为市区的小微企业,其支付手续费用则更高。针对研究发现的问题,文章提出了适当降低小微企业支付手续费的政策建议。The payment cost of small and micro enterprises is one of the important factors restricting the healthy development of small and micro enterprises. It is of great significance to find out the factors affecting the payment cost of small and micro enterprises for discovering and improving the problem of expensive individual financing in the micro market. Using the survey data and Logit regression model, based on the sample of small and micro enterprises in Xinjiang, this paper finds that:(1) From the perspective of bank charging, the charging pricing mechanism is not clear and the charging supervision system is not perfect, the charging standards of branch offices do not conform to local conditions, small and micro enterprises have no reduction or exemption, and repeated charges are more prominent.(2) From the perspective of enterprise payment, small and micro enterprises that prefer to use electronic channels for fund settlement business, have high operating income, have a large number of employees, and belong to an urban area have higher payment fees. In response to the problems found in the research, the article puts forward policy suggestions to appropriately reduce the payment fees of small and micro enterprises.

关 键 词：小微企业 支付成本 影响因素 

分 类 号：F276.3[经济管理—企业管理] F275[经济管理—国民经济] F832.2