国内小微企业的融资问题研究

发布时间：2018-04-14 03:22

本文选题：小微企业 + 财政与金融有效对接　；参考：《太原科技大学》2013年硕士论文

【摘要】：改革开放至今，经过三十多年的发展，我国小微企业在经济浪潮中，不断的发展壮大。作为商品经济的必然产物，我国小微企业能不断的适应市场的千变万化，表现出了顽强的生命力，当前已经占据了我国国民经济的“半壁江山”。小微企业在整个经济发展中起到了不可忽视的作用。但是随着国际金融市场的持续低迷，小微企业的融资难问题显得越来越突出。近几年来，国内外学者对小微企业的融资困境不断的深入研究，取得了很大成就，有些方法也被我国政府所采纳，然而这些学者们的建议还是不能从根本上解决我国小微企业的融资困境。鉴于此，本文通过对美国、日本、韩国、德国四个国家的小微企业融资模式的比较，并由国外这些国家的小微企业融资模式对我国的启示指出了财政介入我国小微企业融资的必要性和可行性。同时在文章中建立财政与金融有效对接模式下金融机构与小微企业的演化博弈模型。进一步验证了财政介入小微企业的融资之后，通过财政与金融的有效对接，在财政的引导作用下，金融机构向业绩好的小微企业贷款的意愿增强，同时，在政府和金融机构的双重监督下，小微企业也在想方设法的提升自己的经营业绩，，这样无论是金融机构还是政府和小微企业都将成为受益者。在财政与金融有效对接的小微企业的融资模式下，本文进一步提出了培育优质的项目源、以大型企业为核心多个小微企业共同向银行贷款的“N+1”授信融资模式、建立小微企业基金会等一系列的适合我国国情的建议，对于有效缓解我国小微企业融资困境起到了一个很好的作用。
[Abstract]:After more than 30 years of reform and opening up, small and micro enterprises in our country have been developing continuously in the economic tide.As the inevitable outcome of commodity economy, the small and micro enterprises of our country can adapt to the ever-changing market constantly, showing tenacious vitality, which has already occupied half of the national economy of our country at present.Small and micro enterprises have played an important role in the whole economic development.However, with the continuous downturn of international financial markets, the financing difficulties of small and micro enterprises are becoming more and more prominent.In recent years, scholars at home and abroad have made great achievements in studying the financing dilemma of small and micro enterprises, and some methods have been adopted by our government.However, these scholars' suggestions can not fundamentally solve the financing dilemma of small and micro enterprises in China.In view of this, this paper compares the financing models of small and micro enterprises in the United States, Japan, South Korea and Germany.The necessity and feasibility of financial intervention in the financing of small and micro enterprises in China are pointed out by the enlightenment of the financing mode of small and micro enterprises in foreign countries.At the same time, an evolutionary game model between financial institutions and small and micro enterprises is established in this paper.It further verifies the willingness of financial institutions to make loans to small and micro enterprises with good performance through the effective interface between finance and finance after financial intervention in financing of small and micro enterprises, and under the guidance of finance, the willingness of financial institutions to lend to small and micro enterprises with good performance is enhanced, at the same time,Under the dual supervision of the government and financial institutions, small and micro enterprises are also trying to improve their operating performance, so that both the financial institutions and the government and small and micro enterprises will be the beneficiaries.Under the financing mode of small and micro enterprises, which is effectively linked with finance and finance, this paper further puts forward a "N 1" credit financing model, in which large enterprises are the core of small and micro enterprises, and many small and micro enterprises make loans to banks.A series of suggestions suitable for the situation of our country, such as the foundation of small and micro enterprises, have played a good role in alleviating the financing dilemma of small and micro enterprises in China.
【学位授予单位】：太原科技大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F275;F276.3;F832.4

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