中文摘要：

农村小微企业在促进经济发展和社会和谐等方面发挥着不可替代的作用,然其属于经济体系中的弱势群体,尤其面临的融资难问题始终制约着农村小微企业的进一步发展。基于对湘潭农村小微企业的问卷调查与座谈访问,采用多元Logistic回归模型,分析企业融资行为,探讨农村小微企业融资行为的影响因素。结果表明,样本企业多偏好银行贷款的融资方式,但随着企业内部特征与外部环境的不同,其融资偏好也呈现差异性。企业成立时间越长、拥有有效抵押品、认为银行借贷利率费用低以及有银行信贷政策支持时,企业越倾向于选择银行贷款的融资方式,经营者受教育水平越高的企业越偏好于选择民间借贷,农业企业则倾向于选择内部融资作为其主要融资渠道,而其它因素对企业融资行为的影响不显著。因此,针对农村小微企业面临的融资困境,提出应加强企业自身建设,规范企业管理;政府应建立和完善农村小微企业资金扶持政策体系以及针对农业企业的风险防控体系;加快新型农村金融机构的建设,提高对小微企业融资服务的理念与水平;积极促进民间金融市场的有序、良性发展等措施。

英文摘要：

Small and micro enterprises in rural areas play an important role in boosting rural economy and promoting social harmony. However, small and micro-enterprises in rural areas are inferior economic sectors, and severe shortage of finance always restricts their further development. Based on the survey and on-site interview data of rural areas in Xiangtan, this paper analyzed the financing behaviors of small and micro enterprises and empirically tested the factors influencing the financing behaviors of these firms by a multivariate Logistic regression model. Results show that bank loans are most preferred by the surveyed firms with some diverse financing preferences due to the differences of the internal and external environments. This paper also found that firms with longer life-span, effective collaterals, and believing in bank credit supporting policies and low expenses on interests prefer bank loans for financing. Firms with highly educated enterprise operators prefer private lending and the agricultural firms prefer self-funding. Whereas, the other internal and external factors have no significant impacts on their financing behaviors. To promote the healthy development of small and micro enterprises, this paper provides the following suggestions： 1） for small and micro enterprises in rural areas, they should standardize and strengthen their managements; 2） the Government should establish and perfect the financing support system and risk prevention and control system for agricultural industries in rural areas; 3） to encourage the development of new types of rural financial institutions; and 4） actively promote the orderly and healthy development of the private financial markets.