摘要
海峡西岸经济区的区域位置与产业结构决定了当地中小企业谋求发展需要依靠外源性融资并且以银行贷款为主。利用Logistic模型对海峡经济区上市的中小企业的年报数据进行实证研究,结果显示,中小企业的成长能力、投出资本使用效果以及综合实力对企业信用风险有显著影响。企业在这三方面的表现越好,信用风险就越小。
The location and the industrial structure of West Coast Economic Zone determine that local SMEs rely on external finance mainly from bank loans. In this paper, using Logistic model we empirically analyze the local listed SMEs＇ annual reports. The result reveals the growth ability, the effectiveness of capital input and the comprehensive strength have significant influence on companies＇ credit risk. The better the performance of these factors, the less of credit risk.
出处
《福建江夏学院学报》
2014年第4期29-34,共6页
Journal of Fujian Jiangxia University
基金
福建省教育厅社会科学研究项目(JB12336S)
关键词
海峡经济区
中小企业
信用风险
LOGISTIC
归
因子分析
west coast economic zone
small and medium-sized enterprises
credit risk
logisticregression
Factor analysis
