融资担保业发展对我国小微企业融资需求的影响分析.doc

PAGE PAGE 20 融资担保业发展对我国小微企业融资需求的影响分析 摘要：随着小微企业的重要作用日益凸显，小微企业的发展问题亟需解决，小微企业发展的最大一个问题就是融资困难，在解决这个问题上融资担保业的快速发展起到很大作用。本文主要研究了我国融资担保业的发展如何对小微企业融资需求产生影响，通过学习、借鉴国内外关于小微企业融资贷款的优秀先进理论和学说，对我国小微企业以及融资担保业发展的实际情况进行总结分析，看看我们自身有什么不足需要改善的地方。融资担保业的发展给小微企业与商业银行之间提供了良好的桥梁作用，加强了相互之间的联系与沟通，对于促进整个小微企业信贷环境发展起到了很大作用。本文还运用多元线性回归模型分析了融资担保业对小微企业融资贷款的影响程度，客观正确的对待融资担保业的发展对小微企业产生的影响，不盲目夸大和质疑融资担保业产生的作用，为解决小微企业融资需求问题指出正确方向。 关键词：融资担保业小微企业风险贷款 Analysis on the influence of the development of financing guarantee industry to the financing needs of small and micro enterprises in China Abstract: As the small enterprises play a more important role in the society .The development of small micro enterprise's problem needs to be solved, of which the biggest problem is financing difficulties. On the solution to those problems, the rapid development of the financing assurance plays a large role. So this paper mainly studies the development of the financing assurance in our country about how to affect the financing needs of the small micro enterprises. learning and referencing the outstanding theories and the extraordinary thinking about the financing loans of the small micro enterprises from domestic and foreign countries. A brief conclusion and analysis need to be given about the actual situation of development of small micro enterprises and financing assurance. On condition that there will be seeing what problems need to be improved. The development of the financing assurance provides a good bridge between the small micro enterprises and the commercial banks. It also strengthen the connection and communication for each other, and make great contribution to promoting a developing conditions to the whole small micro enterprise credit. This paper also analyze the influence degree of the financing assurance and loans to the small micro enterprise by using the multiple linear. Treating the influence of developing of the financing assurance objectively and correctly，not blindly exaggerated or questioned the r