Purpose

The paper answers the following questions: (1) Do firms located in rural areas experience greater problems in accessing financial services? (2) If this is the case, what can these firms do to improve their access to finance?

Design/methodology/approach

This paper uses the pooled logistic regression and the data collected by the World Bank's Enterprise Surveys during the period between 2008 and 2018 to answer the aforementioned questions.

Findings

The results of this paper show that firms headquartered in rural (urban) areas experience greater (lower) problems in accessing finance than other firms. This paper attributes these findings to higher (lower) levels of information asymmetry and lower (higher) levels of density of banking operations in rural (urban) areas. The results of this paper also show that firms headquartered in rural areas can improve their access to finance by increasing the skill levels of their employees.

Originality/value

This paper highlights the actions that rural firms can undertake to overcome the adverse impact of their geographic location.

中文翻译：

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位置对融资渠道的影响：关于员工培训调节作用的国际证据

目的

本文回答了以下问题：（1）位于农村地区的企业在获得金融服务方面是否遇到了更大的问题？(2) 如果是这样，这些公司可以做些什么来改善他们的融资渠道？

设计/方法/方法

本文使用汇集逻辑回归和世界银行企业调查在 2008 年至 2018 年期间收集的数据来回答上述问题。

发现

本文的结果表明，总部位于农村（城市）地区的公司在获得融资方面遇到的问题比其他公司更大（更低）。本文将这些发现归因于较高（较低）水平的信息不对称和较低（较高）水平的农村（城市）地区银行业务密度。本文的结果还表明，总部设在农村地区的公司可以通过提高员工的技能水平来改善融资渠道。

原创性/价值

本文重点介绍了农村企业可以采取哪些行动来克服其地理位置的不利影响。