我国中小企业融资政策体系研究

发布时间：2018-05-26 04:32

本文选题：中小企业 + 融资政策　；参考：《复旦大学》2013年硕士论文

【摘要】：中小型企业是我国经济增长的重要动力,中小企业在全球的经济发展中常常成为吸纳高新技术和科技创新的“试验田”,成为经济结构调整的“排头兵”,因此,中小企业战略地位受到各国政府的重视,在国民经济发展中起着战略性作用。中国作为全球最大的发展中国家,目前处在政府职能转变和后金融危机下经济结构调整的关键时期,中小企业的地位和作用更是突出。中小企业的生存和发展是关系到中国经济能否持续发展的关键。中小企业资金短缺和融资难问题,日益成为制约其发展的瓶颈,而我国融资政策的改革是解决这个瓶颈问题的关键,必须改革计划经济时期遗留下来的以固定资产作融资担保的做法,改成以“偿还能力”为融资与否的衡量标准,这种融资政策的改革才是解决中小企业融资难的根本措施。为了促进我国中小企业的健康发展,保证我国经济结构调整的顺利进行,必须尽快解决中小企业融资难的瓶颈问题,本文认为：中小企业融资政策建设的核心是融资政策的改革,构建一个高效的中小企业融资政策体系是融资政策改革保证的关键。从公共管理的视角出发,要建立一个高效的中小企业融资政策体系,融资政策的改变是不可回避的,因为融资政策是建立中小企业融资体系的核心,也是各国政府解决融资问题的指导方针,更是与公共管理专业的契合点。通过本文,就我国中小企业融资政策体系建设的现状及其变革的深层原因展开研究,这些原因包括中小企业融资制度和融资环境等方面,在构建中小企业融资政策体系上,结合我国国情,通过借鉴美国日本等发达国家的先进方法经验,提出几点政策建议,如发展多层次的资本市场,对“热钱”尝试性地转变态度,完善征信建设,研究对“影子银行”的监管等,希望能够有益于从根本上解决中小企业融资难题,真正摆脱我国中小企业融资困境,从而使中小企业充分施展在我国国民经济中的独特魅力,为我国的经济稳步健康可持续发展做出应有的贡献。
[Abstract]:Small and medium-sized enterprises (SMEs) are an important driving force for China's economic growth. In the global economic development, small and medium-sized enterprises (SMEs) have often become "experimental fields" for absorbing high-tech and scientific and technological innovations, and "vanguard" for economic restructuring. The strategic position of small and medium-sized enterprises (SMEs) is valued by the governments of all countries and plays a strategic role in the development of national economy. As the largest developing country in the world, China is now in the key period of the transformation of government functions and the adjustment of economic structure under the post-financial crisis, and the status and role of small and medium-sized enterprises are even more prominent. The survival and development of small and medium-sized enterprises is the key to the sustainable development of Chinese economy. The shortage of funds and the difficulty of financing for small and medium-sized enterprises have increasingly become the bottleneck restricting their development, and the reform of financing policy in China is the key to solve this bottleneck problem. It is necessary to reform the financing guarantee of fixed assets left over from the period of planned economy and change it to the criterion of "repayment ability" as the measure of financing or not. The reform of financing policy is the fundamental measure to solve the financing difficulties of small and medium-sized enterprises. In order to promote the healthy development of the small and medium-sized enterprises in our country and ensure the smooth progress of the economic restructuring of our country, we must solve the bottleneck problem of the financing difficulties of the small and medium-sized enterprises as soon as possible. This paper holds that the core of financing policy construction of SMEs is the reform of financing policy, and the key to guarantee the reform of financing policy is to construct an efficient financing policy system for SMEs. From the perspective of public management, to establish an efficient SME financing policy system, the change of financing policy is inevitable, because financing policy is the core of the establishment of SME financing system. It is also the guideline for governments to solve the financing problem, and the agreement with the public management profession. In this paper, the author studies the current situation of the construction of the financing policy system of SMEs in China and the deep reasons for its transformation, which include the financing system and financing environment of SMEs, and the construction of the financing policy system of SMEs. According to the national conditions of our country, by drawing lessons from the advanced methods and experiences of the developed countries such as the United States and Japan, this paper puts forward several policy suggestions, such as developing a multi-level capital market, trying to change attitude towards "hot money", and perfecting the construction of credit information. The research on the supervision of "shadow bank" is expected to be helpful to solve the financing problem of small and medium-sized enterprises fundamentally, to get rid of the financing predicament of small and medium-sized enterprises in China, and to make the small and medium-sized enterprises fully display their unique charm in our national economy. To our country's economy steady and healthy sustainable development makes the due contribution.
【学位授予单位】：复旦大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F275;F276.3

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