信用评分技术在中小型企业融资的应用研究

目前,我国中小企业存在数量多、信用管理不规范、抵押资产少、融资难等特点。应大力推广中小企业信用评分技术,利用该技术的优势,建立有中国特色的中小企业信用评分模型,解决中小企业融资困境,并且在利用信用评分技术中需要注意信用信息数据完整性和真实性、信用评分技术理论的学习和专业人才培养等问题。     

新经济社会学视角的中小企业国际化绩效研究——基于社会资本、核心资源的中介效应

中小企业通过识别和积累社会资本获得参与国际竞争的核心资源,进而实现成功进入国际市场的发展目标。获得国际化绩效是企业国际化的目的,积累核心资源是企业国际化的基础,而运用社会资本是企业国际化的出发点。基于这一思路,文章将传统企业国际化理论中的资源基础观同新经济社会学中的社会资本理论相结合,通过实地调查中小企业并构建结构方程模型,采用跨学科的研究视角探讨了中小企业社会资本、国际化绩效及核心资源三者间的影响机制,从而进一步丰富和扩展了现有中小企业国际化研究的思路。     

The role of information technology in corporate strategy of small and medium enterprises

The crisis of the new economy might have cast doubt on the usefulness of the Internet for business activities. However, it is unquestionable that the possibilities offered by Internet-based technologies in terms of information processing, transfer and collection enable the firm to improve market knowledge and the relationship with clients and suppliers. This work explores, theoretically and empirically, the possibilities offered by the Internet to facilitate the internationalization process of Small and Medium Enterprises (SMEs) as well as to improve the relationship with other firms within the same value chain. Using a wide representative sample of Spanish SMEs, the empirical analysis confirms the benefits of the Internet in both cases.     

Modeling the relationship between networking and firm performance

Network theory suggests that successful business ownership might depend on the ability of owners to gain access to resources not under their control in a cost effective way through networking. To date, however, there has been little empirical support for this proposition, particularly for established firms. The results of this study, based on a large longitudinal database, indicate a significant positive relationship between networking (particularly with formal networks such as external accountants) and both firm survival and, to a lesser extent, growth, but not ROE. Further, network intensity is found to be associated with survival, and network range with growth.     

中小企业融资困境的对策与思路——基于民间融资体制建设视角

中小企业是我国经济发展和稳定的一支重要力量,但中小企业面临的融资困境严重制约了中小企业的发展.目前,民间资金流动性宽裕与中小企业面临融资困境并存,供需双方在目标上存在一定的一致和互利性,但实际运行效果不理想.笔者认为,政府加强引导民间资本流向,深化民间金融管理制度改革是解决中小企业融资难的有效路径.     

Trade and access to finance of SMEs: is there a nexus?

Limited resources and barriers to entry are critically higher for small and medium enterprises (SMEs) than for large companies. One of the reasons explaining why the resources of SMEs are scarce is their limited access to financial services. This in turn reduces the likelihood of exporting. For this reason, using the census of SMEs done by the Central Bank of Egypt and the Egyptian Banking Institute, we try to examine the impact of access to finance on their export performance. We measure the latter by the extensive margin that means the probability of becoming an exporter and the probability of serving several markets. We found a significant and positive impact of dealing with banks and having banking facilities on the probability of exporting and that of exporting to more than one destination. Thus, wider and more efficient financial services are likely to increase the number of exporters and boost exports’ diversification.     

师法自然--中小企业生存发展之路

中小企业是国民经济最活跃的成分,在繁荣市场、吸纳就业、增加收入方面发挥重要作用。文章采用类比的方法,参照自然界弱小生物的生存之道,提出打造独特优势、快速适应环境变化是中小企业生存发展的关键。     

Competition in Marketing： Survival Yardstick for Small and Medium Enterprises （SMEs） in Nigeria

The topic investigated competition in marketing as a survival yardstick for small and medium enterprises （SMEs） in Nigeria. The objectives addressed by this study were： （1） identifying different types and intensity of competition that SMEs are exposed to along the life-cycle portfolio in Nigeria; （2） quantifying the strength of SMEs vis-a-vis some foreign enterprises in terms of market competition; and （3） proffering solutions on how best they could match competitively these foreign enterprises. Relevant models and theories were employed in literature to evolve detailed analysis of issues relating to the variables used in terms of competition in marketing and survival of juice-producing SMEs. Two hypotheses were investigated through the survey of 20 prominent Ikeja based SMEs using Cluster sampling, 5-points Likert summated rating scale was adopted, while Yard＇s formula with 95% confidence level and 5% error tolerance was used. Alternative form validity of the instrument was measured at 0.63 while its reliability was measured at Cronbach＇s alpha of 0.70. Pearson＇s product-moment correlation was used in testing hypothesis 1 while standard multiple regressions were used to test hypothesis 2. Findings revealed that there was strong relationship between survival of juice-producing SMEs with forms of competition on a firm＇s life-cycle; while competition had positive effects on survival components for the enterprises. It was concluded that since competition subsists in any firm＇s life-cycle, strategies to support operations for survival must be adopted. It was recommended that operators of SMEs have to monitor and manage competition as it affects their businesses positively and/or negatively.     

Small businesses and the environment: turning over a new leaf?

Previous studies on the environmental practices of small and medium‐sized enterprises (SMEs) in the UK and beyond have portrayed owner‐managers as laggards who underplay their firm's environmental impacts and resist environmental management due to its perceived cost. Yet a recent cross‐sector survey of 220 UK SMEs suggests that this intransigent stance may be slowly changing. Responses indicate a high percentage of owner‐managers actively involved in recycling, energy efficiency, responsible buying and selling, and efforts to reduce their carbon emissions. Owner‐managers saw it as their responsibility to help solve environmental problems and were reportedly willing to accept the costs of tougher environmental regulations and taxation. Business owners were motivated not just by the ‘push’ of legislation and environmental concern but by the ‘pull’ of potential cost savings, new customers, higher staff retention and good publicity for their firms. The survey also found that owner‐managers had resonance with the Stern Review's (2006) conclusions that the benefits of strong early action on climate change outweigh the costs, and that a transition to a low‐carbon economy will bring opportunities for business growth. This indicates that SMEs may be coming round to the idea that there is a business case for sustainability, although there is still some scepticism on the overall profitability of environmental action. Copyright © 2009 John Wiley & Sons, Ltd and ERP Environment.     

国家科技型中小企业技术创新基金的申报要点研究

文章总结分析了广西实施国家科技型中小企业技术创新项目的情况,探讨申报国家科技型中小企业技术创新项目应注意的主要问题。