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.
引文
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