关键词：小微企业； 融资难 ；二元logistic模型 ；对策
Abstract:Since China's reform and opening up,small & micro-enterprises develop rapidly,which blooming everywhere.Not only do their number leads other companies in absolute advantage,but they cover various areas in economy.The small & micro-enterprises become a potential new economic growth point. The small & micro-enterprises close to customers,close to the market.They meet various market demands and promote market prosperity with their acute market sensitivity,flexible operation.But as the biggest contributors to GDP in china,their obtained financial support is not commensurate with their contribution.So far,difficulty in financing becomes a very big problem for the survival and the development of small & micro-enterprises.The experience in developed country and the practice of reform and opening up show the small & micro-enterprises play an important role in the nation economy.The key to release economic potential of small & micro-enterprises is to solve the financing problem.The city of Jinhua which belonging to zhejiang province is an important zone in Chang-triangle area.It gathers a lot of famous business circles, such as Yiwu International Trade City,Yongkang hardware city,Pujiang crystal city and so on. So Jinhua is a typical area for the research of small & micro-enterprises. By means of the survey, the article states the present financing situation of small & micro-enterprises,describes the results of the survey of small & micro-enterprises in jinhua.With analytical models, the article analyses the influencing factors of financing of small & micro-enterprises based on real data.On this basis, the article analyses the reason of small & micro-enterprises' financial difficulties.According to the analysis,the article tries to explore the measures to break financing bottleneck of small & micro-enterprises.
Keywords: small & micro-enterprises; problem of financing difficulty; binary logistic model; measures...