Data about Financial Literacy, Financial Constraints and Technological Innovation on SMEs

These data were obtained from a questionnaire regarding the relationship between CEO's financial literacy, firm's allevion of financial constraints, and firm's technological innovation outcomes, as well as the firm's financial statements. We controlled for CEO's risk orientation; firm's age, size (employees), industry (2-digit NACE code), ROA (EBIT/Total Assets), and leverage (Total Debt / Total Assets); as well as CEO's age, gender and education level. Questions: Please rate from 1 (absolutely disagree) to 5 (absolute agree) the following sentences: V Description fl1 I and the rest of the TMT have updated information regarding economic and financial industry data fl2 I am well informed about the economy evolution and of the national and international monetary and financial policies fl3 I am well informed about alternative financial sources (equity loans, venture capital, MAB, business angels, etc.) rather than bank financing fl4 I am well informed about the financial assets in which I can invest financial slack fl5 I and the rest of the TMT use economic and financial information in the decision-making fl6 The training of the administration and finance department staff is very relevant for establishing effective financial policies Please rate from 1 (very bad) to 5 (very good) the evolution during the last 2 years regarding: afc1 the indebtedness offered to the firm afc2 the costs and commissions required afc3 the guarantees needed afc4 the interest rate afc5 the time-lapse response of the financial institution afc6 the debt maturity Please rate from 1(very bad) to 5 (very good) the evolution of your company related to the competitors during the last 2 years regarding: ips1 the number of new products or services introduced by your company per year ips2 the pioneering character of your company when introducing new products or services ips3 the speed in response to the introduction of new products or services by other companies in the industry ipp1 the number of changes in the processes introduced by your company per year ipp2 the pioneering character of your company when introducing new processes ipp3 the speed in response to the introduction of new processes by other companies in the industry Control variables Please rate from 1 (absolutely disagree) to 5 (absolute agree) the following sentences: ro1 I have a strong propensity to projects with high risk ro2 I believe that understanding brave far-reaching environment actions is necessary to reach the companies objectives ro3 When I make decisions under uncertainty conditions I usually adopt a strong and aggressive position to maximize the probability of exploiting the potential opportunities Other type of data: cv2 Firm age* cv3 Firm size* cv4 Industry: 2-digits NACE code* cv5 ROA (EBIT / Total Assets)* cv6 Leverage (Total Debt / Total Assets)* cv7 CEO Age cv8 CEO gender cv9 CEO education *: Data obtained from Financial Statements and other information publicly available.本数据集源自一份针对首席执行官（CEO）金融素养、企业融资约束缓解与企业技术创新成果之间关系的调查问卷，同时纳入企业财务报表相关数据。本研究控制了以下变量：CEO风险偏好；企业年龄、企业规模（员工人数）、行业（2位数字NACE行业分类代码）、资产收益率（ROA，即息税前利润/总资产）、杠杆率（总负债/总资产）；以及CEO年龄、性别与受教育程度。 ### 调查问卷 请按1（完全不同意）至5（完全同意）对以下表述进行评分： 序号 描述 fl1 我与高层管理团队（Top Management Team，TMT）其余成员均掌握经济与金融行业数据相关的最新信息 fl2 我充分了解经济发展态势以及国内外货币与金融政策 fl3 我熟悉除银行融资外的其他融资渠道（如股权贷款、风险投资、MAB、商业天使投资等） fl4 我充分了解可用于投资闲置资金的金融资产类型 fl5 我与高层管理团队其余成员会在决策中运用经济与金融信息 fl6 行政与财务部门员工的培训对制定高效财务政策至关重要 请按1（极差）至5（极佳）对企业近2年的以下情况进行评分： afc1 金融机构为企业提供的授信额度 afc2 融资所需的成本与手续费 afc3 融资所需的担保条件 afc4 融资利率水平 afc5 金融机构的响应时长 afc6 企业债务期限结构 请按1（极差）至5（极佳）对企业近2年相较于竞争对手的表现进行评分： ips1 企业每年推出的新产品或新服务数量 ips2 企业在推出新产品或服务时的先锋性 ips3 企业对行业内其他企业推出新产品或服务的响应速度 ipp1 企业每年引入的流程变革数量 ipp2 企业在引入新流程时的先锋性 ipp3 企业对行业内其他企业推出新流程的响应速度 ### 控制变量相关问卷 请按1（完全不同意）至5（完全同意）对以下表述进行评分： ro1 我倾向于选择高风险项目 ro2 我认为理解大胆且影响深远的环境相关行动对达成企业目标是必要的 ro3 在不确定性条件下进行决策时，我通常会采取强势且激进的立场，以最大化挖掘潜在机遇的概率 ### 其他类型数据 cv2 企业年龄* cv3 企业规模* cv4 行业：2位数字NACE代码* cv5 资产收益率（EBIT/总资产）* cv6 杠杆率（总负债/总资产）* cv7 CEO年龄 cv8 CEO性别 cv9 CEO受教育程度 *：上述带*号的数据均源自企业财务报表及其他公开可获取的信息。