CAJ | 학술논문

笔者根据陕西省中小企业在新型农村金融机构借贷情况的调查数据，通过建立Logit模型和Tobit模型，分别分析了中小企业对新型农村金融机构借贷需求及其借贷可得性的影响因素。结果表明，50％以上中小企业对新型农村金融机构具有借贷需求，其中60％以上中小企业能够足额获得贷款；中小企业对新型农村金融机构的借贷需求与企业的行业类型、信贷政策了解程度、银企关系、固定资产比率、流动比率正相关，与企业成立年限负相关；企业性质、企业员工数、信贷政策了解程度、固定资产比率对中小企业新型农村金融机构借贷可得性均具有负向影响。要提高中小企业在新型农村金融机构借贷的可得性，需要从企业、新型农村金融机构以及金融监管部门三个方面来改进。
필자근거합서성중소기업재신형농촌금융궤구차대정황적조사수거，통과건립Logit모형화Tobit모형，분별분석료중소기업대신형농촌금융궤구차대수구급기차대가득성적영향인소。결과표명，50％이상중소기업대신형농촌금융궤구구유차대수구，기중60％이상중소기업능구족액획득대관；중소기업대신형농촌금융궤구적차대수구여기업적행업류형、신대정책료해정도、은기관계、고정자산비솔、류동비솔정상관，여기업성립년한부상관；기업성질、기업원공수、신대정책료해정도、고정자산비솔대중소기업신형농촌금융궤구차대가득성균구유부향영향。요제고중소기업재신형농촌금융궤구차대적가득성，수요종기업、신형농촌금융궤구이급금융감관부문삼개방면래개진。
Based on the data in a survey referring to minor enterprises/lending conditions in new-type rural financial institutions in Shaanxi province, this paper analyzes the factors influencing minor enterprises＇loan demand and availability in new-type rural financial institutions, respectively by establishing Logit model and Tobit model. The results show that more than half of minor enterprises have a demand for loan from rrew type rural financial institutions, more than 60% of which get loans in full amount ; the loan demand of minor enterprises in new-type rural financial institutions has a positive correlation to industrial types, familiarities of credit policies, relation- ships between bank and enterprise, fixed assets ratio and flow ratio, however it has a negative correlation to years of establishment ; At the same time, what gives negative influences to the lending availability of those minor enterprises are enterprise properties, staff num- ber, familiarities of credit policies and fixed assets ratio. It is pointed that what should be reformed is the minor enterprises themselves, new-type rural financial institutions and financial surveillance departments, so as to improve the lending availability of minor enterprises in new-type rural financial institutions.