河南省涉农中小企业融资需求问题研究

发布时间：2017-12-30 23:04

本文关键词：河南省涉农中小企业融资需求问题研究　出处：《郑州大学》2017年硕士论文　论文类型：学位论文

【摘要】：农业是国民经济中的一个重要的产业部门,作为直接关乎国计民生的支柱产业,农业一直处于我国经济工作的重要位置,而其又属于弱质产业,需要政府对其进行支持和保护。自2004年以来,“中央一号文件”连续13年聚焦“三农”,扶持农业的发展,足见农业在我国经济建设中的重要地位。河南省是中国农业第一大省,习近平总书记曾指出:“搞好河南农业,不仅可以支撑河南的经济社会发展,还能支援全国的改革和发展。”可见,河南省农业的健康持续发展意义重大。然而传统的农业生产方式生产效率低下,农产品质量不高,很大程度上影响了农民进行农业生产的收益,是实现河南省农业现代化的一块绊脚石。涉农中小企业以其适度规模经营的生产经营方式和丰富多样的产品和服务带动当地农业的发展,已经成为河南省农业农村发展中最活跃的经济主体,在解决“三农”问题方面有着不可取代的作用。但对于涉农中小企业而言,资金是其开展一系列生产经营活动的基础。虽然政府的政策不断侧重于农业发展,但是河南省大多数中小企业在生产过程中的融资需求依然难以得到满足。本文对河南省9个地市的涉农中小企业进行开展了问卷调查,就企业在融资需求方面的问题进行了调查以及数据统计,问卷内容包括2015年企业的融资渠道、融资规模、融资意愿等方面,对省内的涉农中小企业的融资现状有了一个深层次的了解,立足于企业融资需求的角度对其融资问题进行分析,通过定性分析与定量分析相结合的方式,结合涉农中小企业的融资需求特点,分析其融资意愿,测算出河南省涉农中小企业在2016年将产生21189542.65万元的融资需求并存在2397521.59万元的资金缺口,融资需求依然无法得到有效的满足。河南省涉农中小企业的融资需求存在企业自身、资金供给主体、与政府三方面的问题。改善河南省涉农中小企业融资需求无法得到满足的现状,需要从企业自身、农村金融环境以及政府三方面找出企业融资需求无法得到满足的原因,并结合河南省涉农中小企业的具体情况,提升企业自身的融资能力,改善企业的融资观念,丰富农村金融产品的供给,建立完善的涉农信贷担保体系,并强化政府对涉农中小企业的支持力度和对农村金融环境改善的引领作用。
[Abstract]:Agriculture is an important industry in the national economy, as the pillar industry is directly related to the beneficial to the people's livelihood has always been in an important position of agriculture, economic work of our country, and it also belongs to the weak industry, the need for government support and protection to it. Since 2004, the "central first document" for 13 consecutive years of focus "agriculture, support the development of agriculture, which shows the important position in the economic development of our country agriculture. Henan province is the largest province of agricultural China, general secretary Xi Jinping pointed out:" in Henan agriculture, can not only support Henan's economic and social development, but also support the reform and development of the country. Thus, the healthy and sustainable development the significance of agriculture in Henan province. However, the traditional mode of agricultural production and low production efficiency, the quality of agricultural products is not high, largely affected the farmers for agricultural production income, is the realization of Agriculture in Henan Province A stumbling block in modernization. Agricultural small and medium-sized enterprises with moderate scale operation of the production and operation mode and a variety of products and services to promote the development of local agriculture, has become the most active economic subject of agricultural and rural development in Henan Province, has an irreplaceable role in solving the problem. But for agriculture small and medium enterprises, capital is the basis to carry out a series of production and business activities. Although the government's policy to focus on the development of agriculture, but in the production process of the financing needs of the majority of small and medium-sized enterprises in Henan province is still difficult to be satisfied. In this paper, the agricultural small and medium-sized enterprises in 9 cities of Henan province were carried out on the questionnaire. Enterprises in the financing needs of the issues of investigation and statistics, the contents of the questionnaire include the 2015 enterprise financing channels, financing scale, financing intention etc., Have a deep understanding of the agricultural financing situation of small and medium-sized enterprises, analyses the financing problems based on the enterprise financing demand perspective, through the combination of qualitative analysis and quantitative analysis method, combined with the characteristics of agriculture related financing needs of small and medium-sized enterprises, analyzes its financing intention, calculate the Henan province agriculture relatedsmes in 2016 will produce 211 billion 895 million 426 thousand and 500 yuan of financing demand and there is a funding gap of $23 billion 975 million 215 thousand and 900, the financing demand is still can not be effectively met. Henan province agriculture related small and medium enterprises financing needs of their own existence, the main supply of funds, and the government three aspects. To improve the financing demand of Henan province agriculture related SMEs can not be met the need of from the enterprise itself, the three rural financial environment and find out the government financing needs cannot be met, and the combination of Henan Province The specific circumstances of the agricultural small and medium-sized enterprises, enhance their financing capacity, improve financing concept, enrich the rural financial products supply, establish and improve the agricultural credit guarantee system, and strengthen government support for agriculture related small and medium-sized enterprises and improve the rural financial environment in the leading role.

【学位授予单位】：郑州大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F324;F302.6

【相似文献】