中小企业与中小银行共生性研究

发布时间：2018-02-23 13:02

本文关键词： 中小企业中小银行金融共生理论共生发展　出处：《南京财经大学》2013年硕士论文　论文类型：学位论文

【摘要】：随着我国社会主义市场经济不断的发展，中小企业在我国国民经济体系中的地位不断提高。然而，由于我国中小企业普遍存在着经营管理不完善、企业素质偏低、财务制度不健全、信息不对称等多方面的原因，导致融资途径不顺畅，大银行对中小企业存在着“惜贷”现象，中小企业向中小银行信贷融资成为中小企业的必然选择。而另一方面，中小银行一般经营规模小，受地方政府的干预较强，很难行形成与大型商业银争夺大客户的竞争优势，加上中小银行具备地缘、人缘等绝对优势，因此，中小银行将客户对象定位于中小企业。基于中小企业与中小银行相互选择而互促发展这一事实，本文在金融共生理论框架下，分析了二者互促发展的机制，并用计量分析检验二者共生关系，最后提出促进二者共生发展的措施建议。金融共生理论包含共生三要素和共生原理两大核心部分，这是本文分析的主要理论基础，本文计量分析采用的简单的多元线性回归方法。本文研究主要得出以下结论要点：第一，当前存在“大银行与大企业互为选择”、“小银行与小企业互为选择”两种模式，也就是符合共生理论“强—强”和“弱—弱”两种模式。理论上讲，中小企业与中小银行应当以一体化对称互惠共生模式而共生发展，但在我国实际情况中，由于存在一些不利因素，，二者尚处于非对称互惠模式，但正向对最优称性互惠模式发展。第二、我国中小银行的共生密度低，还没达到饱和的一个临界最大，因此，增加中小银行的数量可以增加共生能量，并成为缓解中小企业融资不足重要途径。第三、宁波银行与中小企业共生个例分析表明：以宁波银行为典型的中小银行与中小企业的共生关系要显著强于中小企业与金融机构间的共生关系；并且共生环境确实与二者共生关系的发展呈正向关系。
[Abstract]:With the development of our socialist market economy , the status of small and medium - sized enterprises in China ' s national economy system has been improved continuously . However , because the small and medium - sized enterprises in our country have many reasons , such as imperfect operation and management , low quality of enterprises , imperfect financial system , asymmetric information and so on , the small and medium - sized banks are the inevitable choice for small and medium - sized enterprises . Based on the fact that small and medium - sized enterprises and small and medium - sized banks choose to develop each other , this paper analyzes the mechanism of mutual promotion in the framework of the theory of financial symbiosis , and puts forward some measures to promote the symbiotic development of the two . First , there are two modes of " mutual selection between big banks and big enterprises " , " mutual selection between small banks and small enterprises " , namely , the two modes of " strong - strong " and " weak - weak " of symbiotic theory . In theory , small and medium - sized enterprises and small and medium - sized banks should co - exist with each other in an integrated symmetrical mutually beneficial symbiosis model , but in the actual situation of our country , they are still in asymmetric mutual benefit mode because of the existence of some unfavorable factors , but they are developing towards the optimal weighing reciprocal mode . Second , the symbiotic density of small and medium - sized banks in our country is low , yet it has not reached a critical maximum of saturation , so the increase of the number of primary and secondary banks can increase the symbiotic energy and become an important way to alleviate the shortage of small and medium - sized enterprises . Thirdly , the symbiotic relationship between the Bank of Ningbo and the small and medium - sized enterprises shows that the symbiotic relationship between the small and medium - sized enterprises and the small and medium - sized enterprises is stronger than that of the small and medium - sized enterprises , and the symbiotic environment is positively related to the development of the symbiotic relationship between the two .

【学位授予单位】：南京财经大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F276.3;F832.4

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