基于SWOT的小微企业数字化转型融资约束研究  

A SWOT-based Research on Financing Constraints in Digital Transformation of Small and Micro Businesses

作　　者：梁少定 LIANG Shao-ding(Chengyi College,Jimei University,Xiamen 361021,China)

机构地区：[1]集美大学诚毅学院经济系,福建厦门361021

出　　处：《湖北科技学院学报》2024年第6期45-51,共7页Journal of Hubei University of Science and Technology

基　　金：福建省教育厅项目“‘一带一路’战略对福建与东盟机电产业的贸易效应”(JAS150851);福建省社科青年基金项目“基于生产性服务业与制造业融合视角的福建省产业结构升级研究”(FJ2016C142);福建省社科规划项目“互联网时代中国版权产业创新发展研究”(FJ2017B096)。

摘　　要：由于现阶段小微企业数字化转型对融资约束影响的研究多以描述性为主,导致研究结果的质量较差。因此,在SWOT分析的作用下,全面评估小微企业数字化转型对融资约束的影响。基于小微企业数字化转型融资约束的相关理论,界定相应变量,以融资约束为被解释变量,数字化转型为解释变量,信息披露质量和资源配置效应为中介变量,小微企业规模等多个变量为控制变量,设计基准回归模型。在SWOT的作用下,构建相应的中介效应模型。实证分析以某市小微企业数字化转型融资情况为样本,对小微企业数字化转型融资约束进行描述性分析、相关性分析、基准回归分析和中介效应分析。分析结果表明,数字化转型对小微企业的融资约束具有显著的负向影响,即数字化转型程度越高,小微企业面临的融资约束越低。此外,信息披露质量和资源配置效应也对融资约束起到重要作用,高质量的信息披露和有效的资源配置能够缓解融资约束,促进小微企业的稳定发展。因此,加强数字化转型、提高信息披露质量以及优化资源配置都是减轻小微企业融资约束问题的关键措施。Due to the lack of descriptive research on the impact of digital transformation on financing constraints in small and micro enterprises,the quality of current research results is relatively poor.Therefore,this article comprehensively evaluates the impact of digital transformation of small and micro enterprises on financing constraints based on SWOT.According to relevant theories of financing constraints for digital transformation of small and micro enterprises,it defines the corresponding variables,and designs a benchmark regression model with financing constraints as the dependent variable,digital transformation as the explanatory variable,information disclosure quality and resource allocation effects as mediating variables,and multiple variables such as small and micro enterprise size as control variables.Under the influence of SWOT,the paper constructs corresponding mediation effect models.An empirical analysis takes the financing situation of digital transformation of small and micro enterprises in a certain city as a sample,and conducts descriptive analysis,correlation analysis,benchmark regression analysis,and mediation effect analysis on the financing constraints of digital transformation of small and micro enterprises.The analysis results indicate that digital transformation has a significant negative impact on the financing constraints of small and micro enterprises,that is,the higher the degree of digital transformation,the lower the financing constraints faced by small and micro enterprises.In addition,the quality of information disclosure and resource allocation effects also play an important role in financing constraints.High quality information disclosure and effective resource allocation can alleviate financing constraints and promote the stable development of small and micro enterprises.Therefore,strengthening digital transformation,improving the quality of information disclosure,and optimizing resource allocation are key measures to alleviate the financing constraints of small and micro enterpris

关 键 词：SWOT 小微企业 数字化转型 融资约束 实证研究 

分 类 号：F038.1[经济管理—政治经济学]