基于金融结构视角的中国中小企业融资问题研究

发布时间：2018-01-26 09:33

本文关键词： 金融结构系统论最优金融结构论中小金融机构优势逻辑回归模型　出处：《天津财经大学》2013年硕士论文　论文类型：学位论文

【摘要】：世界各国经济发展的经验表明,中小企业的发展在国民经济的发展中具有至关重要的作用,而解决中小企业发展的核心问题就是要妥善处理好中小企业的融资难问题。同时各国金融体系发展的经验也表明,金融机构的发展与经济发展特别是中小企业的发展之间具有一定的相关关系。本文主要结合我国中小企业间接融资体系的现状,并借鉴国外成功经验,研究最佳的金融结构如何确定,构筑怎样的金融机构才能更好的满足中小企业的融资需求这一问题。本文从金融发展与经济增长的相关文献出发,对国内外的理论和实证研究成果进行了归纳总结。在此基础上,提出不应分割的从正规的银行机构和非正规的地下金融与企业之间的融资关系两个方面来对融资问题进行研究,因为正规与非正规之间就具有紧密联系,非正规金融本身就是正规金融诞生和继续创新的土壤和源泉,而应将两者纳入统一的系统的分析框架中去,从整体的角度看待这些金融机构的联系和它们与中小企业的关系,并在这样一个整体的视角下探讨最适合中小企业融资问题解决的金融机构模式如何构建,最终从复合的维度上更好的解决中小企业融资难题。通过从系统论和最优金融结构论的角度对金融机构和中小企业融资关系机制的研究,本文得出,与大银行相比,中小型金融机构在对中小企业融资上具有明显的优势,只有大力发展以客户需求为导向的专业化明显的的中小型金融机构,并结合有效的外部金融政策环境,才能从根本上解决企业融资难这一问题的结论。同时,据此研究方法和结论,本文提出相关政策建议和对金融机构发展趋势的展望。
[Abstract]:The experience of economic development in the world shows that the development of small and medium-sized enterprises plays a vital role in the development of national economy. The core problem of the development of small and medium-sized enterprises is to properly deal with the financing difficulties of small and medium-sized enterprises. At the same time, the experience of the development of financial systems in various countries also shows. There is a certain correlation between the development of financial institutions and economic development, especially the development of small and medium-sized enterprises. This paper mainly combines the current situation of the indirect financing system of small and medium-sized enterprises in China, and draws on the successful experience of foreign countries. How to determine the best financial structure and what kind of financial institutions can better meet the financing needs of SMEs. Based on the related literature of financial development and economic growth, this paper summarizes the theoretical and empirical research results at home and abroad. It is pointed out that the financing problem should not be studied from two aspects: formal banking institution and informal underground finance and enterprise, because there is a close connection between formal and informal. Informal finance itself is the soil and source of the birth and continuous innovation of formal finance, which should be integrated into a unified systematic analysis framework. From the overall point of view of these financial institutions and their relationship with small and medium-sized enterprises, and in such a holistic perspective to explore the most suitable for SMEs to solve the financing problems of financial institutions how to build. Finally, from the composite dimension to better solve the financing problems of small and medium-sized enterprises. From the perspective of system theory and optimal financial structure theory, this paper studies the financing relationship mechanism between financial institutions and small and medium-sized enterprises, and concludes that it is compared with large banks. Small and medium-sized financial institutions have obvious advantages in the financing of small and medium-sized enterprises, only to vigorously develop customer-oriented, professional and obvious small and medium-sized financial institutions, and combined with an effective external financial policy environment. At the same time, based on the research methods and conclusions, this paper puts forward the relevant policy recommendations and prospects for the development of financial institutions.
【学位授予单位】：天津财经大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F275;F832.4

【参考文献】