Full metadata record
| DC Field | Value | Language |
|---|---|---|
| dc.contributor | Faculty of Business | en_US |
| dc.contributor.advisor | 徐鑫 (MM) | en_US |
| dc.creator | 綦晓燕 | - |
| dc.creator | Qi, Xiaoyan | - |
| dc.identifier.uri | https://theses.lib.polyu.edu.hk/handle/200/14443 | - |
| dc.language | Chinese | en_US |
| dc.publisher | Hong Kong Polytechnic University | en_US |
| dc.rights | All rights reserved | en_US |
| dc.title | 普惠金融对小微企业组织韧性影响的实证分析 | en_US |
| dcterms.abstract | 组织韧性是指组织预测、避免和调整其环境中的冲击的能力，它受到企业资源、能力和外部环境等方面的影响。而对于中国的小微企业来说，资金问题是困扰其发展的核心约束之一。普惠金融的出现，通过数字化能力，使得金融的覆盖面得到了极大的提升，缓解了银行与小微企业之间的信息不对称问题，一定程度上解决了小微企业发展面临的资金问题。而以往的研究由于缺乏可信的小微企业数据，相应的研究文献较少。本研究获取了国内某银行普惠贷款服务的小微企业的相关数据，基于组织韧性理论，探索在新冠疫情的背景下普惠金融对于小微企业组织韧性的影响，同时探索企业外部市场合作能力——即上下游客户的集中度——对于普惠金融影响小微企业组织韧性的调节作用。结果显示，对于面临疫情突发风险的小微企业，普惠金融可以帮助提升其组织韧性，具体表现为小微企业的成长性更好，销售波动性更小；同时在使用了普惠金融的小微企业中，企业面临经营失败的风险更低。对于下游集中度更高的小微企业来说，普惠金融对于其组织韧性的提升作用更加明显。本文通过这一研究，拓宽了组织韧性的影响因素研究，考察了普惠金融对于小微企业组织韧性的影响，提出并检验了上下游合作集中度这一边界条件。在实践层面，一方面可以帮助小微企业面临突发事件时，做好相关资源准备，尤其是财务资源，可以帮助更从容的应对突发风险，尤其对于下游客户集中度高的小微企业，相关财务资源的支持更加重要；另一方面对于银行信贷投放政策的制定，支持小微企业的发展也具有指导意义。 | en_US |
| dcterms.alternative | Empirical analysis on the impact of inclusive finance on the organizational resilience of small and micro enterprises | en_US |
| dcterms.extent | ix, 71 pages | en_US |
| dcterms.isPartOf | PolyU Electronic Theses | en_US |
| dcterms.issued | 2025 | en_US |
| dcterms.educationalLevel | D.Mgt. | en_US |
| dcterms.educationalLevel | All Doctorate | en_US |
| dcterms.accessRights | restricted access | en_US |
Files in This Item:
| File | Description | Size | Format | |
|---|---|---|---|---|
| 9054.pdf | For All Users (off-campus access for PolyU Staff & Students only) | 1.38 MB | Adobe PDF | View/Open |
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