作　　者： (苏志鹏）;

机构地区： 广东工程职业技术学院,广东广州510520

出　　处： 《天津商务职业学院学报》 2017年第4期12-19,共8页

摘　　要： 在现阶段中国经济下行压力较大和资金链偏紧的新常态背景下,供应链金融不啻是解决中小企业融资难的一剂良方。本文通过在问卷星网络平台进行问卷调查,并采用描述统计和计量分析相结合的方法对这一问题进行了研究。结果表明,企业融资难易程度与是否是核心企业、企业的资产规模、融资成本、担保情况和银行支持等因素有关。非核心企业要比核心企业融资难、融资成本高。为更好地解决这一问题,应大力发展多样化的担保手段,提高担保机构的运行效率和服务质量,引入小微企业贷款保证保险机制,建立多元化的融资体系,充分引入竞争机制等措施。 In the present stage, under the background of the new normal, China ＇s economy downward pressure is greater and the capital chain is tight. Supply chain finance is really a great antidote to solve the financing difficulties of small and medium-sized enterprises. Based on a questionnaire survey conducted at star network platform, this paper adopts the combination of descriptive statistical and econometric analysis methods to study this issue. The results show that the enterprise financing difficulty degree relate to the factors such as core enterprise, enterprise assets scale, financing costs, guarantee conditions and the bank support. Non-core businesses will suffer more difficulties than core enterprises in financing and cost. To better solve this problem, we should take measures to develop the diversified means of guarantee, enhance the operation efficiency and service quality of the guarantee agencies, introduce small and micro enterprises＇ loan guarantee insurance mechanism, establish a diversified financing system and fully introduce competition mechanism.

关 键 词： 经济新常态 供应链金融 中小企业 融资 模型