摘  要：小微企业是解决就业问题的重要途径，但其在资金需求方面面临着融资难的问题。本文以江苏省小微企业为例，采取抽样调查的方法获取了85份有效问卷。以此为基础，探讨了企业规模、银企关系、信用评级等要素对小微企业融资能力的影响。研究表明，企业的规模、盈利能力、竞争水平对小微企业的融资能力影响显著。因此小微企业应加强自身建设、扩大规模；扬长避短、采取灵活的经营模式，提高盈利水平；努力提高技术创新能力和产品品质，提高竞争力水平。70908

毕业论文关键词：小微企业，融资困境，影响因素，解决策略

Abstract：Small and micro enterprises is an important way to solve the employment problem, but it is facing financing difficulties in funding needs. In this paper, small and micro enterprises in Jiangsu Province as an example, take a sample survey method to obtain 85 valid questionnaires. On this basis, discusses the impact of firm size, the relationship between banks and enterprises, credit rating and other factors for small micro-enterprise financing ability. Studies have shown that the scale, profitability and competitive ability of the enterprises have great influence on the financing ability of small and micro enterprises.So small and micro enterprises should be to strengthen self construction, to expand the scale; foster strengths and circumvent weaknesses, take flexible mode of operation, to improve the level of profitability; efforts to improve the technological innovation capability and product quality, improve the level of competitiveness.

Keywords：Small and micro enterprises, financing difficulties, influencing factors, solving strategies

目  录

1  引言 3

2  小微企业融资现状及困境 3

2.1  融资门槛高 3

2.2  融资成本高 3

2.3  融资渠道窄 4

2.4  融资需求旺盛但缺口较大 4

2.5  缺乏专门的金融服务机构和法律法规的保障 4

3  小微企业融资能力影响因素的机理分析 4

3.1  企业规模 4

3.2  盈利能力 4

3.3  企业竞争力 5

3.4  信用评级 5

3.5  企业性质 5

3.6  所属行业 5

3.7  银企关系 5

4  小微企业融资能力影响因素实证研究 5

4.1  样本的选取和数据的收集 6

4.2  样本描述性统计分析 6

4.3  变量的定义及模型的构建 7

4.4  实证过程 7

5  小微企业融资解困的建议和对策 9

5.1  企业加强自身建设 9

5.2  金融机构推进渠道建设 9

5.3  政府健全法律法规 10

结论 11

参考文献 12

致谢 13