日照市主办银行制度对小微企业债务融资成本影响分析
Analysis on the Impact of Rizhao Main Bank System on the Debt Financing Cost of Small and Micro Enterprises

小微企业的发展活力强，在促进经济发展、提供就业岗位等方面具有重要的作用，但是小微企业“融资难、融资贵”的问题日益凸显。本文通过对加入日照市主办银行制度的小微企业发放调查问卷，并对调查结果进行描述性统计来研究日照市主办银行制度对小微企业债务融资成本的影响。调查结果统计表明，小微企业在加入主办银行制度后能够比之前更容易的获得贷款，且小微企业的债务融资成本也得到进一步降低。
Small and micro enterprises have strong development vitality, which plays an important role in promoting economic development and providing jobs. However, small and micro enterprises are increasingly faced with financing difficulties and high financing costs. This paper studies the impact of main-bank system in Rizhao on the debt financing cost of small and micro enterprises by issuing questionnaires to the small and micro enterprises that join the main-bank system in Rizhao and making descriptive statistics on the survey results. Statistics show that after joining the main-bank system, small and micro enterprises can obtain loans more easily than before, and the debt financing cost of small and micro enterprises has been further reduced.