Sources of Capital for Small Family-Owned Businesses
利用1993年全国小企业财务调查数据，通过逻辑回归分析小型家族企业使用各类信贷产品的情况，发现企业规模、年龄和盈利能力是主要预测因素，且家族与非家族企业在信贷使用上几乎没有差异。
Securing adequate capital is an ongoing challenge for many small family-owned businesses. This article uses data from the 1993 National Survey of Small Business Finances to determine the extent to which small family-owned firms use various types of credit products. Using logistic regression, it also identifies variables that predict the likelihood of using credit. Findings reveal that size, age, and profitability of the firm were the most important predictors. Results also indicate that there were virtually no differences between family-owned and nonfamily-owned businesses in the usage of various credit products.