市场化转型期政策性银行对小微企业的融资扶持问题研究

发布时间：2018-01-29 09:45

本文关键词： 政策性银行转型小微企业融资　出处：《湖北工业大学》2012年硕士论文　论文类型：学位论文

【摘要】：小微企业在科技创新、活跃市场、增加就业、方便人民生活等方面发挥无可替代的重要作用，对国民经济的贡献率与日俱增，但这并未改变其弱势群体地位，融资难题始终存在。在全球金融危机阴霾尚未消散的背景下，众多小微企业尚未走出市场萎缩、资金链断裂的考验，2011年至今央行的信贷紧缩政策进一步恶化了小微企业的生存状况，资金供求矛盾更加突出。另一方面，以国家开发银行为代表的政策性银行在市场化转型进程中，面对功能定位、资金来源、运作方式、业务领域等方面的突出问题和发展瓶颈，也必须创新经营理念、转变发展方式和经营模式，寻求新的经济增长点。本文结合前人的调查研究成果，，并在参阅相关文献的基础上，对我国小微企业融资难问题进行了分析，同时对政策性银行开展小微型企业融资现状和存在的问题进行了剖析，并对我国政策性银行支持小微企业的必要性与可行性进行了探析，在此基础上，本文借鉴国外政策性银行支持小微企业的成功经验，从政府及政策性银行两个层面，提出了市场化转型期政策性银行在解决小微型企业融资难问题上的相关建议。
[Abstract]:Small and micro enterprises play an irreplaceable role in science and technology innovation, active market, increase employment, convenient people's life and so on. The contribution rate to the national economy is increasing day by day, but this has not changed their vulnerable group status. Financing problems always exist. In the context of the global financial crisis haze has not dissipated, many small and micro enterprises have not yet emerged from the market contraction, the test of capital chain break. Since 2011, the credit tightening policy of the central bank has further worsened the living conditions of small and micro enterprises, and the contradiction between supply and demand of funds is more prominent. On the other hand. In the process of market-oriented transformation, policy-oriented banks, represented by China Development Bank, face prominent problems and development bottlenecks in the aspects of function orientation, source of funds, operation mode, business field and so on. Also must innovate the management idea, change the development way and the management pattern, seeks the new economic growth point. Based on the previous investigation and research results, this paper analyzes the financing difficulties of small and micro enterprises in China on the basis of referring to the relevant literature. At the same time, the paper analyzes the current situation and existing problems of policy banks' financing of small and micro enterprises, and probes into the necessity and feasibility of supporting small and micro enterprises by policy banks in our country. This paper draws lessons from the successful experience of foreign policy banks to support small and micro enterprises, from the government and policy banks two levels. The paper puts forward some suggestions on how to solve the financing problem of small and micro enterprises by the policy banks in the period of market-oriented transformation.
【学位授予单位】：湖北工业大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F276.3;F832.4

【引证文献】