Research On The Influencing Factors Of Export Credit Insurance Financing For Small And Micro Enterprises In Dalian

Since China's reform and opening,small and micro enterprises have been the "light cavalry" in the economic development of our country,which is the main force to absorb the employment and the fast path for entrepreneurship and prosperity,especially in the export sector.After the world economic crisis in 2008,the global economy has been recovering slowly and the Chinese economy still faces downward pressure.There are many challenges of the development of small and micro enterprises in China,and the difficulty of financing is one of the problems to be solved urgently.As the transportation hub of Northeast China and the international shipping center,Dalian is very important in China's foreign economic and trade.The local small and micro enterprises in Dalian are very active,and the demand for funds is very urgent.In the process of financing,the problems are very prominent and representative.The article takes the export credit insurance financing of small and micro enterprises in Dalian as the object of the study and explores strategies which fit in with export credit insurance financing by data analyzing the influencing factors of export credit insurance financing of the enterprise.At the same time,the article can provide the references for the local enterprise and the development of other region small and micro enterprises.Firstly,the background,significance and research status of the topic is given in this paper,and then the research methods and ideas,the basic theory of financing for small and micro enterprises,the knowledge of export credit insurance are also introduced in this paper.Secondly,the present situation of the export trade of small and micro enterprises in Dalian and the financing of the use of export credit insurance is introduced,and the supply and demand of the financing market are also analyzed.Based on the data of 393 small and micro export enterprises in Dalian,the empirical research is carried out.In the process of empirical research,we first use panel data to analyze the variables with continuous characteristics by fixed effect regression model.And then use the Probit model for all of the data involved in the regression analysis of influencing factors,resulting in Small and micro businesses to export credit insurance financing of exports,asset size,profitability,monetary policy,production capacity and other aspects,and to solve the Small and micro businesses export credit insurance financing made from internal risk control,the bank enterprise cooperation and establish a good credit platform,channel marketing,business management,improve quality,steadily improve financing efficiency,export market refinement of a series of policy suggestions.