中小企业商业信用需求与供给影响因素分析——以江苏省制造业为例

中小企业商业信用融资问题,特别是中小企业商业信用需求与供给的影响因素问题是当前理论界和实际企业管理工作者关注的一个热点问题。中小企业很难从银行中获得经营所需要的资金,商业信用便成为中小企业外源融资中另一个重要途径。中小企业在获得商业信用的同时还要对外提供商业信用。商业信用需求和供给的影响因素很多,本文利用中小板上市公司中2007-2012年江苏省制造业公司的数据信息,探寻影响商业信用需求和供给的因素。研究发现,商业信用需求和供给的影响因素不相同,影响的方向及程度都有很大差异。通过进一步分析发现商业信用需求和供给之间也存在显著的关系。

An analysis of influential factors of SMEs commercial credit supply and demand

Commercial credit financing problem of SMEs is a hot topic Currently among the circle of theory and real enterprise managers,especially the problem of affecting factors between the commercial credit demand and supply in SMEs.It is difficult for SMES to obtain the necessary funds for management from the banks. Commercial credit , therefore,becomes another important way of financing.SMEs can get commercial credlt.At the same time,they will provide commercial credit for other enterprises.A great many factors affect credit supply and demand. This paper, using the data of JiangSu manufacturing companies from 2007 to 2012,explore the factors which affect commercial credit supply and demand. Research finds that the factors affecting commercial credit supply and demand are different.There are big differences in influential direction and extent.However further analysis prove the significant relationship between commercial credit supply and demand.