经济理论与经济管理
經濟理論與經濟管理
경제이론여경제관리
ECONOMIC THEORY AND BUSINESS MANAGEMENT
2015年
8期
92-103
,共12页
中小企业%金融排斥%省域差异%影响因素
中小企業%金融排斥%省域差異%影響因素
중소기업%금융배척%성역차이%영향인소
SMEs%financial exclusion%provincial differences%definition factors
由于我国地区发展不平衡，企业信贷资金配置也存在明显的区域失衡问题。研究中小企业金融排斥的省域差异及其影响因素，对于差别化金融政策制定与实施、提升金融效率、缓解中小企业融资困境有重要现实意义。本文基于金融排斥理论，构建了五维度中小企业金融排斥指标体系，设计省域中小企业金融排斥指数并测度构成因素的贡献度。结果表明，金融排斥省域差异主要表现为东部地区中小企业自我排斥程度较轻，而中西部地区较重；金融供给方排斥因素占主导，其中地理排斥影响最大；技术条件排斥略大于金融需求方主动排斥。因此，减缓中小企业金融排斥需要从不同地区金融服务供给者与信息机制建设等方面入手，同时引导企业降低自我排斥，提升融资效率。
由于我國地區髮展不平衡，企業信貸資金配置也存在明顯的區域失衡問題。研究中小企業金融排斥的省域差異及其影響因素，對于差彆化金融政策製定與實施、提升金融效率、緩解中小企業融資睏境有重要現實意義。本文基于金融排斥理論，構建瞭五維度中小企業金融排斥指標體繫，設計省域中小企業金融排斥指數併測度構成因素的貢獻度。結果錶明，金融排斥省域差異主要錶現為東部地區中小企業自我排斥程度較輕，而中西部地區較重；金融供給方排斥因素佔主導，其中地理排斥影響最大；技術條件排斥略大于金融需求方主動排斥。因此，減緩中小企業金融排斥需要從不同地區金融服務供給者與信息機製建設等方麵入手，同時引導企業降低自我排斥，提升融資效率。
유우아국지구발전불평형，기업신대자금배치야존재명현적구역실형문제。연구중소기업금융배척적성역차이급기영향인소，대우차별화금융정책제정여실시、제승금융효솔、완해중소기업융자곤경유중요현실의의。본문기우금융배척이론，구건료오유도중소기업금융배척지표체계，설계성역중소기업금융배척지수병측도구성인소적공헌도。결과표명，금융배척성역차이주요표현위동부지구중소기업자아배척정도교경，이중서부지구교중；금융공급방배척인소점주도，기중지리배척영향최대；기술조건배척략대우금융수구방주동배척。인차，감완중소기업금융배척수요종불동지구금융복무공급자여신식궤제건설등방면입수，동시인도기업강저자아배척，제승융자효솔。
It has been proved that regional imbalances exist in capital allocation of enterprises due to the imbalances of regional development in China.It is practically significant to study the provincial differ-ences and definition factors of financial exclusion in SMEs for the formulation and implementation of differ-entiated policy,promotion of financial efficiency,and relief of the financing difficulties for SMEs.Based on the theory of financial exclusion,this paper constructs a five-dimensional index system of financial exclu-sion and provincial financial exclusion index of SMEs.The empirical results reveal that there exist signifi-cant provincial differences of financial exclusion for SMEs,and the degree of self-exclusion of SMEs in eastern region is lighter than central and western region.Moreover,the factors of supply-side initiative ex-clusion are dominant and access exclusion has greatest effects on the provincial differences.Furthermore, technical condition exclusion is greater than the demand-side initiative exclusion.It is necessary to make ef-forts to mitigate financial exclusion from the aspects of supply-side initiative exclusion,construct informa-tion system construction and reduce self-exclusion in order to remote the financing efficiency.
