CAJ | 학술논문

小微企业是提供就业岗位的主要渠道，是企业家创业成长的主要平台，是科技创新的重要力量，小微企业的发展对于实现国民经济平稳快速发展有着重要意义。采用 OLS 回归模型，利用陕西关中地区495份问卷数据，实证分析了小微企业创业者的基本特征、创业动机和创业环境特征对小微企业绩效的影响。研究表明：银行贷款支持和政府信息服务对小微企业的绩效有显著正向影响；此外，性别、年龄和创业动机也有一定影响。据此，提出加大对小微企业金融支持力度，完善信息平台建设和有针对性进行创业和企业管理培训等建议。
소미기업시제공취업강위적주요거도，시기업가창업성장적주요평태，시과기창신적중요역량，소미기업적발전대우실현국민경제평은쾌속발전유착중요의의。채용 OLS 회귀모형，이용협서관중지구495빈문권수거，실증분석료소미기업창업자적기본특정、창업동궤화창업배경특정대소미기업적효적영향。연구표명：은행대관지지화정부신식복무대소미기업적적효유현저정향영향；차외，성별、년령화창업동궤야유일정영향。거차，제출가대대소미기업금융지지력도，완선신식평태건설화유침대성진행창업화기업관리배훈등건의。
Small and micro-enterprise is the main channel to provide jobs,the major platform for entrepreneur-ial growth,and the significant force in scientific and technological innovation.The small and micro-enterprise plays an important role in the steady and rapid development of national economy.Based on the investigation of 495 entre-preneurs in Guanzhong region,Shaanxi Province,we adopted the OLS regression model to study the effects of en-trepreneur's characteristics,motiva-tions and the environment on small and micro-enterprise performance.The re-sult shows that finan-cial support from the bank and information services provided by the government affect signifi-cantly the performance of small micro-enterprise.Besides,gender,age and entrepreneurial motivation also impose some impact on it.Therefore,it is suggested that efforts should be made to increase the financial support to the small and micro-enterprise,to improve the construction of informational plat-form,and to conduct more targeted training.