中国中小企业融资渠道拓展研究

发布时间：2018-05-31 14:07

本文选题：中小企业 + 融资方式　；参考：《东北师范大学》2013年硕士论文

【摘要】：自改革开放以来，我国中小企业无论在发展程度上还是在国民经济的地位上都有了一定程度的提升。尤其是其在国内生产总值和税收方面的贡献以及在解决就业问题中有不可替代性，都为我们展示了中小企业带动国内经济进一步发展的主力军作用。然而遗憾的是，在经过对中小企业融资情况的分析中发现，国内中小企业由于融资渠道的阻塞而造成的个体企业倒闭成为了限制我国中小企业壮大发展的首要原因。我国中小企业融资渠道存在着过度依赖内源融资渠道而外源融资渠道严重不足、直接和间接融资渠道比例失调、中小企业普遍偏好非正规性融资渠道这三个主要问题。比较而言，美国、德国、韩国等发达国家却十分重视中小企业融资渠道的均衡发展，并通过立法的手段分阶段、分层次地为中小企业打通各种融资渠道，值得我们借鉴。我们应通过鼓励商业银行融资机制的创新、优化企业资产结构增加内部融资积累、并由政府出资建立融资平台为中小企业寻找信贷来源等为具体措施，即从金融机构、企业主体和政府部门这三个角度来拓宽我国中小企业的融资渠道，，并为中小企业的发展扫清障碍。
[Abstract]:Since the reform and opening up, the small and medium-sized enterprises in China have improved to a certain extent, both in the level of development and in the status of the national economy. Especially its contribution to GDP and tax revenue and its irreplaceable role in solving the employment problem have shown us the main role of small and medium-sized enterprises in driving the further development of domestic economy. Unfortunately, through the analysis of the financing situation of SMEs, it is found that the closure of individual enterprises caused by the blockage of financing channels has become the primary reason for restricting the growth and development of SMEs in China. There are three main problems in the financing channels of SMEs in China: excessive reliance on endogenous financing channels and serious shortage of exogenous financing channels, imbalance of direct and indirect financing channels, and the general preference of SMEs for informal financing channels. In contrast, the United States, Germany, South Korea and other developed countries attach great importance to the balanced development of financing channels for SMEs, and through legislative means to open up various financing channels for small and medium-sized enterprises in stages, worthy of our reference. We should encourage the innovation of the financing mechanism of commercial banks, optimize the structure of enterprises' assets and increase the accumulation of internal financing, and set up a financing platform funded by the government to find credit sources for small and medium-sized enterprises, that is, from financial institutions. The main body of enterprises and government departments to broaden the financing channels of small and medium-sized enterprises in China, and to clear the way for the development of small and medium-sized enterprises.
【学位授予单位】：东北师范大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.4;F275;F276.3

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