江苏中小微企业融资供求调查分析

发布时间：2018-03-25 06:38

本文选题：中小微企业　切入点：融资　出处：《南京农业大学》2013年硕士论文

【摘要】：中小微企业是国民经济的重要组成部分,在其发展过程中起着举足轻重的作用,自改革开放以来,随着市场经济的发展,中小微企业在提供就业、增加税收、出口、促进GDP增长等各方面发挥着巨大的作用。在中小微企业的发展过程中,资金的有效供给是促进其发展的重要动力。然而小微企业出于种种原因往往会存在融资瓶颈问题,一些学者也曾多次提出,由于金融体制的不健全,尽管国有部门对经济增长的贡献率约为40%,贷款却占到金融机构贷款总量的80%,而大量以小微企业为主的民营企业对经济增长的贡献率约为60%,其贷款却只占到正规金融机构贷款总量的不到20%,全国1100多万家在工商局注册的中小微企业,跟银行有信贷关系的不到100万户,有近90%的小微企业根本贷不到款,占全国企业总数的99%以上,提供了约80%的城镇就业岗位,纳税额占国家税收总额的一半左右。据银监会的测算,我国银行贷款主要投放给大中型企业,大企业贷款覆盖率为100%,中型企业为900%,小企业仅为20%,几乎没有微型企业1。本文研究的主要目的是通过对江苏中小微企业融资现状及需求特征的实地调查分析,运用二元Probit选择模型对中小微企业从商业银行获得贷款的障碍因素进行实证分析。同时,与江苏省内不同区域、类别和规模的商业银行融资供给情况进行对比,找出企业需求与银行供给的缺口,希望通过双方的共同努力尽快达到“双赢”的效果,并在此基础上提出切实可行的对策建议。
[Abstract]:Small and medium-sized enterprises are an important part of the national economy and play an important role in its development. Since the reform and opening up, with the development of the market economy, small and medium-sized enterprises are providing employment, increasing taxes and exports. In the process of the development of small and medium-sized enterprises, the effective supply of funds is an important driving force to promote their development. However, for various reasons, there are financing bottlenecks in small and medium-sized enterprises. Some scholars have also pointed out many times that because of the imperfection of the financial system, Although the contribution rate of the state-owned sector to economic growth is about 40%, loans account for 80% of the total loans of financial institutions, while a large number of private enterprises, mainly small and micro enterprises, contribute about 60% to economic growth, but their loans only account for the formal amount of money. Less than 20% of the total loans made by financial institutions and more than 11 million small and medium enterprises registered with the Commerce and Industry Bureau throughout the country, Less than 1 million households have a credit relationship with banks, and nearly 90% of small and micro enterprises cannot borrow money at all, accounting for more than 99% of the total number of enterprises in the country, providing about 80% of urban jobs. The tax amount accounts for about half of the total national tax revenue. According to the CBRC's calculation, China's bank loans mainly go to large and medium-sized enterprises, with a loan coverage of 100 for large enterprises, 900 for medium-sized enterprises, and only 20 for small enterprises, with almost no microenterprises. The main purpose of this paper is to analyze the financing status and demand characteristics of small and medium-sized enterprises in Jiangsu Province, and to analyze the obstacles of obtaining loans from commercial banks by using the binary Probit selection model. Comparing with the financing supply situation of commercial banks in different regions, categories and scales in Jiangsu Province, to find out the gap between enterprise demand and bank supply, hoping to achieve a "win-win" effect as soon as possible through the joint efforts of both sides. On this basis, practical countermeasures and suggestions are put forward.
【学位授予单位】：南京农业大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F276.3;F832.4

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