Study on Influence Factors of Minor Enterprises’ Loan Demand and Availability in New Type Rural Financial Institutions——Based on the Survey Data of Minor Enterprises in Shaanxi Province
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Study on Influence Factors of Minor Enterprises’ Loan Demand and Availability in New Type Rural Financial Institutions——Based on the Survey Data of Minor Enterprises in Shaanxi Province
WANG Jia-mei,LUO Jian-chao,WANG Lei
College of Economics and Management,Northwest AF University,Yangling 712100,China
Abstract Based on the data in a survey referring to minor enterprises lending conditions in new-type rural financial institutions in Shaanxi province,this paper analyzes the factors influencing minor enterprises loan demand and availability in new-type rural financial institutions,respectively by establishing Logit model and Tobit model. The results show that more than half of minor enterprises have a demand for loan from new type rural financial institutions,more than 60% of which get loans in full amount; the loan demand of minor enterprises in new-type rural financial institutions has a positive correlation to industrial types,familiarities of credit policies,relationships between bank and enterprise,fixed assets ratio and flow ratio,however it has a negative correlation to years of establishment; At the same time,what gives negative influences to the lending availability of those minor enterprises are enterprise properties,staff number,familiarities of credit policies and fixed assets ratio. It is pointed that what should be reformed is the minor enterprises themselves,new-type rural financial institutions and financial surveillance departments,so as to improve the lending availability of minor enterprises in new-type rural financial institutions.
WANG Jia-Mei,LUO Jian-Chao,WANG Lei. Study on Influence Factors of Minor Enterprises’ Loan Demand and Availability in New Type Rural Financial Institutions——Based on the Survey Data of Minor Enterprises in Shaanxi Province. Economic Survey, 2013, 1(6): 043.
2013, Vol. 1 
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