涉农小微企业融资影响因素实证分析——以贵州省为例

Empirical Analysis of Factors Affecting Financing of Small and Micro Enterprises Related to Agriculture: A Case Study of Guizhou Province

摘要: 涉农小微企业是农业经济发展的重要组成部分，对中国的农业经济发展做出了多方面的贡献。涉农小微企业的融资行为是进一步促进农业产业升级，实现现代农业转型的关键，也是目前学术界和各地政府重视的目标之一。而涉农小微企业却长期以来一直面临着融资贵、融资难的问题，这严重阻碍了我国涉农小微企业多方面的发展。本文通过实地采访和线上线下问卷相结合的方式来研究涉农小微企业经营者融资难的问题，深入挖掘融资难融资贵的影响因素，定量分析涉农小微企业融资难问题的具体表征，并参考成熟的量表进行问卷调查，运用Logistic模型探讨分析涉农小微企业融资问题受到哪些方面的因素影响。根据研究结果，本研究对涉农小微企业经营者融资难的情况从企业、金融机构和政府三个层面深入发展提出合理化建议并根据总的实际调研分析和对策建议，提出建设一个“靶向式”融资平台，意在搭建农业联盟链赋能平台，作为农业产业数字化的基础设施平台，打通产业链上下游数据，解决农业产业链条上供应链活动和金融活动当中，各运行环节信息不对称问题以及信息流通问题，整合资源，真正做到解决涉农小微企业贷款难问题。

Abstract: Small and micro agriculture-related enterprises (SMEs) are an important component of agricultural economic development and have made multifaceted contributions to China’s agricultural economy. The financing activities of SMEs are crucial for achieving the modernization of agriculture. However, SMEs have long been facing the problem of expensive and difficult financing, which severely hinders their overall development in China. This study employs a combination of online and offline questionnaires to investigate the financing difficulties faced by SME operators, quantitatively analyze the causes of SME financing difficulties, and utilize the Logistic model to explore the factors influencing SME financing issues. Based on the research findings, this study analyzes the causes of SME financing difficulties from the perspectives of enterprises, financial institutions, and government, and proposes the construction of a “targeted” financing platform. This platform aims to build an agricultural alliance chain empowerment platform as the infrastructure for agricultural industry digitization. It aims to solve the problem of information asymmetry and information flow in the supply chain activities and financial activities along the agricultural industry chain, integrate resources, and truly solve the problem of SME financing difficulties.