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lun zhong xiao qi ye rong zi yue shu cheng du de heng liang ji yu yin xing dai kuan shen he bao gao de fen xi
Author(s): 
Pages: 3-9
Year: Issue:  7
Journal: Finance and Accounting Monthly

Keyword:  中小企业融资约束贷款审查信贷融资;
Abstract: 本文从银行贷款审核的角度,剖析了作为中小企业外部主要债权人——银行在贷款决策时所关注的企业财务指标,提出了衡量企业融资约束的两个维度,并将融资约束程度划分为四个象限。同时,从案例分析的角度指出了目前实证分析中经常用以衡量企业融资约束程度的指标,如有形资产净值率、流动比率、企业规模等所存在的缺陷,并证明中小企业在融资时还面临政治关联、银企关系、社会形象等融资软约束。因此,中小企业应当灵活地发挥这些非硬性财务因素的作用,走出融资困境。
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