| “规模歧视”与中小企业信贷融资——基于湖南中小企业问卷调查数据的实证 |
| |
| 引用本文： | 张琦,陈晓红,蔡神元.“规模歧视”与中小企业信贷融资——基于湖南中小企业问卷调查数据的实证[J].系统工程,2008,26(10). |
| |
| 作者姓名： | 张琦 陈晓红 蔡神元 |
| |
| 作者单位： | 1. 中南大学,商学院,湖南,长沙,410083;湖南商学院,湖南,长沙,410205
2. 中南大学,商学院,湖南,长沙,410083 |
| |
| 基金项目： | 国家杰出青年科学基金资助项目
，
湖南省社科基金资助项目
，
中南大学商学院中小企业发展研究中心资助项目
|
| |
| 摘 要： | 在分析中小企业融资行为表现的基础上,运用优序融资理论、资本结构理论和关系型贷款理论,对湖南中小企业的资本结构和银行贷款行为进行了经验分析.我们发现:在信息不对称条件下,我国中小企业面临严重的信贷约束,造成这一现象的主要原因是企业规模歧视导致.因此,提出政策建议:建立中小企业互助担保集合融资平台,政府设立再担保体系保障融资平台高效有序运作.
|
| 关 键 词： | 中小企业 融资行为 规模歧视 信息不对称 |
Empirical Study on the Relationship Between Scale Discrimination and SMEs' Financing Behavior Based on the Data from Hunan SMEs |
| |
| ZHANG Qi,CHEN Xiao-hong,CAI Shen-yuan.Empirical Study on the Relationship Between Scale Discrimination and SMEs' Financing Behavior Based on the Data from Hunan SMEs[J].Systems Engineering,2008,26(10). |
| |
| Authors: | ZHANG Qi CHEN Xiao-hong CAI Shen-yuan |
| |
| Institution: | ZHANG Qi1,2,CHEN Xiao-hong1,CAI Shen-yuan1(1.School of Business,Central South University,Changsha 410083,China,2.Hunan University of Commerce,Changsha 410205,China) |
| |
| Abstract: | Based on the analysis of medium-small enterprises'(SMEs) financing behavior,we make an empirical study on the capital structures and bank lending behaviors of Hunan SMEs by using pecking order theory,capital structure theory and relational loaning theory.We find that under information asymmetry conditions,Chinese SMES are confronted with serious credit constraints caused by scale discrimination.Therefore,we suggest that a congregate financing platform of mutual guarantee should be built for SMEs and that th... |
| |
| Keywords: | Medium-small Enterprises Financing Behavior Scale Discrimination Information Asymmetry |
| 本文献已被 CNKI 维普 万方数据 等数据库收录！ |
|
