河北省小贷公司缓解小微企业融资困境研究

发布时间：2018-04-13 14:19

本文选题：小微企业融资 + 小额贷款公司　；参考：《河北大学》2013年硕士论文

【摘要】：小微企业融资难问题一直是我国政府、机构、企业、媒体等各界关注的焦点之一，国家和地方政府不断出台各种政策鼓励为小微企业提供贷款服务。小额贷款公司作为主要面向“三农”和小微企业提供信贷服务的机构，自试点以来一直受到社会各界的高度关注，成为缓解小微企业融资难题的一条重要渠道，，小额贷款公司也正成为决策层推动小型金融机构发展、规范小额贷款公司市场、缓解小微企业融资难的重要突破口和着力点。在河北省融资环境依旧偏紧的形势下，越来越多的小微企业转向小额贷款公司寻求资金融通，研究探讨小额贷款公司对于缓解小微企业融资困难问题作用机制问题具有重要意义。全文共分五个部分，第一部分是绪论，介绍本文的研究背景、研究目的、小微企业融资相关理论、研究方法和本文的创新点。第二部分为小微企业融资难的表现分析，在小微企业明确分类的基础上，总结了小微企业的融资特点，并对河北省小微企业及小额贷款公司的特点加以归纳。最后对小微企业融资困难的成因进行了分析，从经济、制度、企业自身等不同角度做出说明。论文第三部分总结了河北省目前对于小额贷款公司相关政策，对河北省小额贷款公司缓解小微企业融资困难的作用及机制做出分析，该部分又可分为理论分析和实证分析。第四分部介绍影响小额贷款公司积极发挥融资渠道作用的主要因素，如小额贷款公司监管制度不完善、利率上限、融资渠道有限等。在此基础上，本文结合河北省情况提出合理建议，如推进河北省小额贷款公司监管制度进一步完善，建立小额贷款公司小微企业共同分担风险的机制，建立金融风险防控体系等。论文的最后一部分是研究结论及展望，指出本研究的主要结论、不足及将来需进一步研究的方向。本文虽运用各种研究方法对小额贷款公司与小微企业融资进行分析和评价，但调查小额贷款公司数量少，限论文篇幅，分析还不够深入、全面，所提建议的可行性、操作性等可能受到质疑。今后在研究过程中要积累充足数据，进一步引进定量分析方法，更为严谨地论证河北省小微企业与小额贷款公司作用机制等内在联系。
[Abstract]:The financing problem of small and micro enterprises has been one of the focus of our government, institutions, enterprises, media and other sectors. The state and local governments continue to introduce a variety of policies to encourage small and micro enterprises to provide loan services.As an organization that mainly provides credit services to "agriculture, rural areas" and small and micro enterprises, microfinance companies have been highly concerned by all walks of life since the pilot project, and have become an important channel to alleviate the financing problems of small and micro enterprises.Microfinance companies are also becoming an important breakthrough and focus for the decision-making level to promote the development of small financial institutions, regulate the market of microfinance companies, ease the financing difficulties of small and micro enterprises.Under the still tight financing environment in Hebei Province, more and more small and micro enterprises turn to microfinance companies to seek financing.It is of great significance to study the mechanism of microfinance companies to alleviate the financing difficulties of small and micro enterprises.This paper is divided into five parts. The first part is the introduction, which introduces the research background, research purpose, financing theory of small and micro enterprises, research methods and innovative points of this paper.The second part is the performance analysis of financing difficulties of small and micro enterprises. On the basis of the clear classification of small and micro enterprises, this paper summarizes the financing characteristics of small and micro enterprises, and sums up the characteristics of small and micro enterprises and small loan companies in Hebei Province.Finally, the causes of financing difficulties of small and micro enterprises are analyzed, from different angles such as economy, institution and enterprises themselves.The third part of the paper summarizes the relevant policies of microfinance companies in Hebei Province, and analyzes the role and mechanism of microfinance companies in alleviating the financing difficulties of small and micro enterprises, which can be divided into theoretical analysis and empirical analysis.The fourth part introduces the main factors that influence microfinance companies to play an active role in financing channels, such as the imperfect regulatory system of microfinance companies, interest rate ceiling, limited financing channels and so on.On this basis, this paper puts forward some reasonable suggestions according to the situation of Hebei Province, such as promoting the further improvement of the supervision system of Hebei micro-loan companies and establishing a mechanism of sharing risks among small and micro enterprises of micro-credit companies.Establish financial risk prevention and control system.The last part of the paper is the conclusion and prospect of the research, pointing out the main conclusions of this study, shortcomings and the future direction of further research.Although this paper uses various research methods to analyze and evaluate the financing of micro-credit companies and micro-enterprises, but the number of micro-credit companies is small, the length of papers is limited, the analysis is not deep enough, comprehensive, and the feasibility of the proposed recommendations.Maneuverability may be questioned.In the future, sufficient data should be accumulated in the course of research, quantitative analysis methods should be introduced, and the internal relations between small and micro enterprises and small loan companies in Hebei Province should be demonstrated more rigorously.
【学位授予单位】：河北大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F275;F832.39

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