温州民间金融与中小民营企业的共生关系研究

发布时间：2018-05-03 04:21

本文选题：民间金融 + 中小民营企业　；参考：《山东财经大学》2013年硕士论文

【摘要】：在温州特殊的经济环境下，民间金融和中小民营企业是构成温州经济体系的两大主体，两者的关系及运行模式都直接影响着温州地区资金的配置效率。民间金融和中小民营企业关系紊乱不仅仅会使民间金融萎缩，也会损害中小民营企业的利益，危及温州整体经济的健康发展。在我国经济转型的重要时期，特别是在温州金融改革之际，，研究温州民间金融和中小民营企业共生关系的现状，探讨共生关系的形成与演进，具有重要的现实意义。本文在分析国内外研究成果的基础之上，系统地整理了共生关系的相关概念，并运用共生理论分析温州民间金融和中小民营企业的关系。目前，对温州民间金融和中小民营企业共生关系的实证分析较少，所以，本文对温州民间金融和中小民营企业共生关系的实证研究做了进一步的探索性分析：首先，在分析前人研究成果的基础上，从共生单元、共生纽带和共生环境等方面分析了温州民间金融和中小民营企业共生关系产生的原因。并且具体分析了两者共生关系的内在机制，正是这种内在机制使两者呈相互支持、相互促进的共生关系。其次，本文从共生的规模、业务领域、收益风险以及制约因素等方面，对温州民间金融与中小民营企业共生关系的现状做了具体分析。然后，文章利用调整的θ值法对温州民间金融的规模进行估测，将测算结果与温州中小民营企业生产总值进行回归发现，温州民间金融规模与中小民营经济存在正向关系。在此基础上，对两者共生度和共生系数的分析，验证了温州民间金融和中小民营企业之间存在着共生关系。最后，文章提出了改进两者共生关系的路径，应从强化共生单元、完善共生环境入手，使温州民间金融和中小民营企业的共生关系稳定、健康的发展，从而能有力地促进温州经济又好又快地发展。综上，本文充分挖掘了温州民间金融与中小民营企业的共生关系，从实证角度分析了两者之间存在着共生关系，指出政府对民间金融不应该采取限制和打压的措施，而是合理引导民间资本流向，促进温州中小民营企业和温州民间金融共生关系的良性发展。
[Abstract]:Under the special economic environment of Wenzhou, private finance and small and medium-sized private enterprises are the two main bodies of Wenzhou's economic system. The relationship between them and their operation mode have a direct impact on the allocation efficiency of Wenzhou's capital. The relationship between private finance and small and medium-sized private enterprises will not only shrink, but also damage the interests of small and medium-sized private enterprises, and endanger the healthy development of Wenzhou economy as a whole. In the important period of China's economic transformation, especially at the time of financial reform in Wenzhou, it is of great practical significance to study the present situation of the symbiotic relationship between Wenzhou folk finance and small and medium-sized private enterprises, and to explore the formation and evolution of symbiotic relationship. Based on the analysis of domestic and foreign research results, this paper systematically arranges the related concepts of symbiotic relationship, and applies symbiosis theory to analyze the relationship between Wenzhou folk finance and small and medium-sized private enterprises. At present, there is little empirical analysis on the symbiotic relationship between Wenzhou private finance and small and medium-sized private enterprises. Therefore, this paper makes a further exploratory analysis on the empirical research on the symbiotic relationship between Wenzhou folk finance and small and medium-sized private enterprises. First of all, on the basis of analyzing the previous research results, this paper analyzes the causes of the symbiotic relationship between Wenzhou folk finance and small and medium-sized private enterprises from the aspects of symbiotic unit, symbiotic tie and symbiotic environment. The inner mechanism of symbiotic relationship between them is analyzed, which makes them mutually support and promote each other. Secondly, this paper makes a concrete analysis on the present situation of the symbiotic relationship between Wenzhou folk finance and small and medium-sized private enterprises from the aspects of symbiosis scale, business field, income risk and restriction factors. Then, the paper uses the adjusted 胃 value method to estimate the scale of Wenzhou private finance, and finds out that there is a positive relationship between the scale of Wenzhou folk finance and the small and medium-sized private economy. On this basis, the symbiosis degree and the symbiotic coefficient are analyzed to verify the existence of symbiotic relationship between Wenzhou private finance and small and medium-sized private enterprises. Finally, the article puts forward the way to improve the symbiotic relationship, which should start with strengthening symbiotic unit and perfecting symbiotic environment so as to make the symbiotic relationship between Wenzhou folk finance and small and medium-sized private enterprises stable and develop healthily. Thus can have the strength to promote the Wenzhou economy to develop well and quickly. To sum up, this paper fully excavates the symbiotic relationship between Wenzhou folk finance and small and medium-sized private enterprises, analyzes the symbiotic relationship between them from an empirical point of view, and points out that the government should not take measures to restrict and suppress private finance. It is to guide the flow of private capital reasonably and promote the benign development of the symbiotic relationship between Wenzhou small and medium-sized private enterprises and Wenzhou folk finance.
【学位授予单位】：山东财经大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.7;F279.27

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