| 基于企业行为视角的中小企业贷款需求研究——来自武汉国家经济技术开发区的经验数据 |
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| 引用本文： | 黄小舟.基于企业行为视角的中小企业贷款需求研究——来自武汉国家经济技术开发区的经验数据[J].湖北商业高等专科学校学报,2013(1):31-37. |
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| 作者姓名： | 黄小舟 |
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| 作者单位： | 湖北经济学院统计与应用数学系,湖北武汉430205 |
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| 摘 要： | 中小企业贷款一直是困扰我国中小企业发展的瓶颈问题,这种境况在金融危机后变得更为严重。本研究从行为经济学的视角,通过对武汉两个国家级经济技术开发区翔实可靠的调查,运用probit计量模型,客观地分析了企业法人面对风险时的贷款态度。
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| 关 键 词： | 中小企业 贷款 行为视角 probit模型 |
Study on the Loan Demand of Small and Medium Sized Enterprises from the Perspective of Enterprises＇ Behavior --From the Historical data of Wuhan National Economic and Technological Development Zone |
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| HUANG Xiao-zhou.Study on the Loan Demand of Small and Medium Sized Enterprises from the Perspective of Enterprises＇ Behavior --From the Historical data of Wuhan National Economic and Technological Development Zone[J].Journal of Hubei Commercial College,2013(1):31-37. |
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| Authors: | HUANG Xiao-zhou |
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| Institution: | HUANG Xiao-zhou (Development of Statistics and Applied Mathematics, Hubei University of Economics, Wuhan Hubei 430205, China) |
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| Abstract: | The loan of small and medium-sized enterprises is always the ＂bottlenecks＂ of development in our country, which become more and more serious after the Financial Crisis. From the perspective of behavioral economics, this study ana- lyzed the attitude of the enterprise juridical person facing the risk of the loan by the ＂probit＂ Econometric Model. The study is based on the historical date of two state-level economic and technological development zone in Wuhan. |
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| Keywords: | small and medium-sized enterprise loan behavior perspective ＂probit＂ econometric model |
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