区域金融生态环境对小企业融资影响的实证研究

从经济基础、地方金融发展、信用环境、政府行为和法制环境五要素中选取18个指标,构建区域金融生态环境评价指标体系。通过因子分析法,筛选出具有代表性的5个指标作为实证考察变量,探讨区域金融生态环境对小企业融资的影响程度。实证结果表明：企业诚信和区域金融发展对小企业融资的影响最大。最后结合理论分析和实证结果,对优化区域金融生态环境、缓解小企业融资困难提供建议。

The Empirical Research about the Impact of Regional Financial Ecological Environment on Small Businesses Financing

This paper analyzes the impact of the financial environment for small businesses finan-cing,by selecting 1 8 indicators from the five aspects of the economic base,local financial develop-ment,credit environment,government behavior and legal environment,to build a regional finan-cial ecological environment evaluation system,and selecting five representative indicators as em-pirical study variables through factor analysis,to explore how the regional financial environment impact of small businesses financing.The empirical results show that the most important factors are credit environment and regional financial development on small businesses financing.The pa-per also provides suggestions to small businesses financing from five aspects.