CAJ | 학술논문

使用科技部农村研究中心173家农业科技型小微企业的调研数据，通过有序probit进行回归分析，发现科技要素对小微企业从银行融资和民间融资的作用不显著，对内源融资和股权融资作用显著，而企业的信用、经营时间长度对小微企业从任一途径融资的影响都非常显著，因此认为银行通过信贷评估技术创新、政府搭建技术产权交易平台可以有效提高小微企业融资可获得性，小微企业在发展初期可以通过内源融资和股权融资来增加融资，并且在发展过程中要重视企业的稳健经营和信用培育。
사용과기부농촌연구중심173가농업과기형소미기업적조연수거，통과유서probit진행회귀분석，발현과기요소대소미기업종은행융자화민간융자적작용불현저，대내원융자화고권융자작용현저，이기업적신용、경영시간장도대소미기업종임일도경융자적영향도비상현저，인차인위은행통과신대평고기술창신、정부탑건기술산권교역평태가이유효제고소미기업융자가획득성，소미기업재발전초기가이통과내원융자화고권융자래증가융자，병차재발전과정중요중시기업적은건경영화신용배육。
According to the survey data of 173 agricultural science and technology-based small micro enterprises from rural research center of ministry of science and technology, this paper made a regres-sion analysis by ordered probit model. We found that the elements of science and technology played no significant role in banking and folk financing of small micro enterprises, but played important role in in-ternal and equity financing. The credit and operating time of enterprises’both played very important role in any way financing. The author thought that by means of credit evaluation technology innovation of banks and setting up the technological property rights transaction platform was an efficient way to im-prove the availability of financing for small micro enterprises. In the early development small micro en-terprises can increase financing by internal and equity financing, and during the development process we should pay more attention on prudent management and credit fostering for enterprises.