广西小微企业金融支持问题研究

发布时间：2019-06-28 11:20

【摘要】：随着我国经济的快速发展和社会主义市场经济体系的不断完善，小微企业对社会经济发展的作用已经越来越不容忽视。小微企业加快推动了我国工业化、城镇化进程,并且对促进区域经济发展、提供就业岗位、减小贫富差距、维持社会稳定小微企业也发挥着举足轻重的作用。同时小微企业有着很强的创造能力，开发了许多新产品，并推入市场，改善了居民的生活水平。随着2010年国家宏观调控，银行收缩银根，国际经济形势扑朔迷离，小微企业普遍面临一些困难，比如原材料价格波动大，利率的上涨，人民币的升值，，用工成本的上升等，导致大批小微企业资金链断裂，或倒闭，或在倒闭的边缘，其他小微企业往日的生机也已不再，因此波及到上下游企业，使整个产业链条面临困境。由此可见小微企业融资问题迫在眉睫。广西处于西部地区，经济发展较为落后，小微企业众多，因此要摒弃“抓大放小”的观念，加快促进小微企业的发展，充分发挥其促进国民经济发展、增加就业岗位、促进社会和谐等的作用。本文首先研究了国内外关于小微企业融资的理论和文献。以此为基础，本文深入分析了广西小微企业的发展状况、融资情况，结合了大量的数据，从小微企业内部发展和融资环境两个方向深入分析了广西小微企业面临融资困境的主要原因。同时本文深入剖析了美国、日本、韩国针对小微企业融资难题发展的支持体系。根据以上研究，广西小微企业的融资困境主要有两个方面的原因：一是小微企业自身发展不足，难以吸引商业化金融机构的关注。二是金融体系不完善，金融体制、法律、政策法规等不健全，不适应小微企业的融资特点。因此，为解决广西小微企业融资困境，首先小微企业要完善自身发展经营状况，建立和健全财务制度和信息披露制度，提高企业员工的综合素质，加快产品研发和创新能力。再者，小微企业要提高自身Qg源融资的能力，努力运用资本市场上金融工具，拓宽企业的外源资金来源。最后广西政府应该进一步完善小微企业融资相关的法律法规，保障利益相关者的权益；完善小微企业金融支持体系；利用优惠政策，鼓励和引导商业金融机构开展针对小微企业的金融服务；规范和引导民间金融，充分发挥其资源配资的效率；建立和完善政策性担保体系和商业担保体系，为小微企业融资提供全方位的创新性的担保服务。
[Abstract]:With the rapid development of China's economy and the continuous improvement of the socialist market economy system, the role of microenterprises in the development of social and economic development has become more and more important. The small and micro-enterprises have accelerated the process of industrialization and urbanization in our country, and played an important role in promoting regional economic development, providing jobs, reducing the gap between the rich and the poor and maintaining social stability. At the same time, the small micro-enterprise has strong creative ability, has developed many new products and pushed into the market to improve the living standard of the residents. With the macro-control of the country in 2010, the bank has contracted the silver root, and the international economic situation is very confusing. The small and micro-enterprises are generally faced with some difficulties, such as the large fluctuation of the price of raw materials, the rise of the interest rate, the appreciation of the RMB, the rise of the labor cost, etc., leading to a large number of small and micro-enterprise fund chains to break, Or at the edge of the collapse, or at the edge of the collapse, the former vitality of other small and micro-enterprises is no longer, thus affecting the upstream and downstream enterprises, so that the whole industrial chain is in a difficult position. It can be seen that the financing problem of the small micro-enterprise is urgent. In the western part of Guangxi, the economic development is backward and the small and micro-enterprises are numerous, so it is necessary to abandon the concept of the "to take a big shot", to accelerate the development of the small and micro-enterprise, to give full play to the development of the national economy, to increase the employment position and to promote the social harmony. In this paper, the paper first studies the theory and text of the financing of small and micro-enterprises at home and abroad On the basis of this, this paper deeply analyses the development situation and financing situation of the small and micro-enterprises in Guangxi, and combines a large amount of data, and analyzes the main factors of the financing dilemma of the small and micro-enterprises in Guangxi from two directions of the internal development and the financing environment of the small micro-enterprises. At the same time, the paper deeply analyses the support of the development of the financing problem of small-scale enterprises in the United States, Japan and Korea. According to the above research, the financing dilemma of the small micro-enterprises in Guangxi has two main reasons: firstly, the small micro-enterprise has insufficient development, and it is difficult to attract the close of the commercial financial institution The second is that the financial system is not perfect, the financial system, the law and the policy and regulations are not sound, and the financing of the small micro-enterprise is not met. Therefore, in order to solve the financing dilemma of the small micro-enterprises in Guangxi, the small and micro-enterprises should improve their own development and operation situation, establish and perfect the financial system and information disclosure system, improve the comprehensive quality of the enterprise employees, and accelerate the research and development and innovation of the products. In addition, the small micro-enterprise should improve the ability of its own Qg source financing, try to use the financial instruments in the capital market, and expand the foreign capital of the enterprise The government of Guangxi should further improve the laws and regulations related to the financing of the small and micro-enterprises, safeguard the rights and interests of the stakeholders, and improve the financial support system of the small and micro-enterprises, and encourage and guide the commercial financial institutions to carry out the financial services for the small and micro-enterprises by using the preferential policies. Service; regulate and guide the folk finance, give full play to the efficiency of its resource allocation; establish and perfect the policy guarantee system and the commercial guarantee system, and provide an all-round and innovative guarantee suit for the financing of the micro-enterprise
【学位授予单位】：广西师范学院
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F279.27;F832.7

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