河北高阳县小微企业融资状况调研报告

发布时间：2018-03-10 14:37

本文选题：小微企业　切入点：融资　出处：《河北大学》2014年硕士论文　论文类型：学位论文

【摘要】：企业融资是企业财务管理的核心问题，企业的融资状况影响着企业的产品经营、业务发展、科技创新等。小微企业作为我国经济发展的主力军，一直都受到融资难的困扰，这是全世界面临的问题，解决小微企业融资难的问题也成为了世界性课题。小微企业在促进经济增长、增加就业、科技创新和稳定社会等方面具有重要作用，企业的发展离不开资金的支持，因此解决小微企业的融资难题能带动我国经济的发展。我国的小微企业受内外因素的制约，与大型企业相比，获得资金的难度大，为了改善这种局面，银行、政府、企业各方都在积极改善融资环境、创新金融产品，但是就目前实际情况来看，只有少数企业能从现有的融资环境中获益，大部分企业依旧存在融资难的问题。高阳县是全国的纺织强县，小微企业是该县实体经济的重要组成部分，，但是由于小微企业信息透明度底、抵押担保不足、信贷风险高等原因，商业银行不愿为小微企业提供资金，因此融资难的问题十分突出，制约着当地小微企业的发展，对当地经济的发展也造成诸多不利。本研究是以高阳县的小微企业为调查对象，通过对高阳县的300家小微企业进行抽样问卷调查，深入了解该县小微企业的融资状况。本文首先简要阐述了调研过程，分析了调查问卷，得出了调研结果，了解了高阳县小微企业的融资现状；然后从企业、银行、其他外部环境的角度深入分析了高阳县小微企业融资难的原因；最后从产业集群融资的角度提出了对策建议。文章试图通过创新产业集群融资模式破解高阳县小微企业融资困境，在分析产业集群融资优势的基础上，结合当地产业集群的特点，提出了四种可供选择的产业集群融资模式：供应链融资模式、互助抵押贷款模式、互助担保贷款模式、网络联保贷款模式，并同时对完善上述融资模式给出了具体的对策建议。
[Abstract]:Enterprise financing is the core issue of enterprise financial management. The financing situation of enterprises affects the product management, business development, scientific and technological innovation, etc. As the main force of our country's economic development, small and micro enterprises have always been troubled by the difficulty of financing. This is a problem facing the whole world, and solving the problem of financing for small and micro enterprises has also become a worldwide issue. Small and micro enterprises play an important role in promoting economic growth, increasing employment, scientific and technological innovation, and stabilizing society. The development of enterprises can not be separated from the support of funds. Therefore, solving the financing problems of small and micro enterprises can drive the development of our economy. The small and micro enterprises in our country are restricted by internal and external factors, and it is more difficult to obtain funds than large enterprises. In order to improve this situation, banks, governments and enterprises are all actively improving the financing environment and innovating financial products. However, as far as the actual situation is concerned, only a few enterprises can benefit from the existing financing environment. Most enterprises still have the problem of financing difficulties. Gaoyang County is a strong textile county throughout the country, and small and micro enterprises are an important part of the county's real economy. However, because of the bottom of the information transparency of small and micro enterprises, the lack of mortgage and guarantee, and the high credit risk, etc. Commercial banks are unwilling to provide funds for small and micro enterprises, so the problem of financing difficulties is very prominent, which restricts the development of local small and micro enterprises, and also causes many disadvantages to the development of local economy. This research takes small and micro enterprises in Gaoyang County as the investigation object, through sampling questionnaire survey to 300 small and micro enterprises in Gaoyang County, and deeply understand the financing situation of the small and micro enterprises in this county. This paper analyzes the questionnaire, obtains the survey results, understands the current financing situation of small and micro enterprises in Gaoyang County, and then analyzes the reasons for the difficulty in financing small and micro enterprises in Gaoyang County from the angle of enterprises, banks and other external environments. Finally, from the perspective of industrial cluster financing, the paper tries to solve the financing dilemma of small and micro enterprises in Gaoyang County by innovating the financing mode of industrial cluster, on the basis of analyzing the advantages of industrial cluster financing. According to the characteristics of local industrial clusters, this paper puts forward four alternative financing modes of industrial clusters: supply chain financing, mutual mortgage loan, mutual guarantee loan, network UNPROFOR loan, etc. At the same time, to improve the above financing model given specific countermeasures.
【学位授予单位】：河北大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F276.3;F275

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