广州增城区中小企业P2P融资效率影响因素分析
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摘要
融资渠道和融资成本是制约中小物流企业发展的关键因素,网贷平台为这类企业提供了融资途径,但并非所有借款者都能通过P2P借贷平台自动实现融资。引入P2P网贷平台与中小物流企业匹配模型,选取最新的样本数据对广州市增城区物流园区内中小企业的网贷平台融资效率进行了实证检验。检验结果显示,企业社会责任对网贷融资效率的作用程度较低,房产抵押、企业信用和产业集群度对网贷融资效率具有显著影响。
Zengcheng District is defined as a new integrated ecological area in the latest round of urban development in Guangzhou. It is the central node city and important logistics center built by Guangzhou. It is one of the key driving forces for the economic development of Guangdong,Hong Kong and Macau. Financing channels and financing costs are the key factors that restrict the development of small and medium-sized logistics enterprises. P2P provides financing channels for such enterprises,but not all borrowers can automatically realize financing through online credit platforms. This paper introduces the P2P platform and SME matching model,and selects the latest sample data to empirically test the P2P financing efficiency of SMEs in the Zengcheng District Logistics Park in Guangzhou. The test results show that the academic level has a lower effect on P2P financing efficiency,and property mortgage,credit rating and loan interest rate have a significant impact on P2P financing efficiency.
Zengcheng District is defined as a new integrated ecological area in the latest round of urban development in Guangzhou. It is the central node city and important logistics center built by Guangzhou. It is one of the key driving forces for the economic development of Guangdong,Hong Kong and Macau. Financing channels and financing costs are the key factors that restrict the development of small and medium-sized logistics enterprises. P2P provides financing channels for such enterprises,but not all borrowers can automatically realize financing through online credit platforms. This paper introduces the P2P platform and SME matching model,and selects the latest sample data to empirically test the P2P financing efficiency of SMEs in the Zengcheng District Logistics Park in Guangzhou. The test results show that the academic level has a lower effect on P2P financing efficiency,and property mortgage,credit rating and loan interest rate have a significant impact on P2P financing efficiency.
引文
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[2]王树强,王粲.基于互联网金融的创业企业融资优选模式研究[J].工业技术经济, 2017(36):139-146.
[3]降富楼,张海亮,田甜铭梓.网贷平台网络借贷利率决定———基于某区域型平台的实证分析[J].上海金融,2016(5):60-64.
[4]赵丹妮,汤子隆,李镔.中国网贷平台网络借贷省际金融监管强度竞争及其实证分析[J].会计与经济研究,2017(2):115-126.
[5]庄雷,赵成国.间融延伸、行业声誉与融资可得性———基于网贷平台网络借贷[J].软科学,2017(31):20-23.
[6]林辉,杨旸.互联网金融及其在中小企业融资中的应用研究[J].华东经济管理,2016(30):8-13.
[7]史贞.基于互联网金融的小微企业融资可得性研究[J].经济体制改革,2016(2):155-159.