昆山中小企业贷款制约因素研究

发布时间：2018-02-13 00:21

本文关键词： 昆山中小企业贷款融资　出处：《南京农业大学》2012年硕士论文　论文类型：学位论文

【摘要】：改革开放以来,我国中小企业快速发展,已成为一个不争的的事实。但是在其欣欣向荣发展的背后,我们也应该看到其发展的不足之处,其中中小企业外源融资约束成为钳制其发展潜力和速度的主要掣肘。从各类调查研究来看,虽然银行信贷是中小企业融资意愿的首选,但是这种意愿只有很少一部分得到满足,内源性融资仍然是中小企业发展最主要的资金来源。造成中小企业信贷融资难的原因有很多方面,如许多中小企业财务制度不健全,经营管理水平低,生产不稳定,抗风险能力弱等,但其中一个重要原因,是银行不能或者难以正确衡量和评估中小企业项目中隐含的风险,而做出相应正确的决策。因此,向来以安全性为重的我国商业银行对中小企业贷款慎之又慎,出现了长期的“惜贷”现象。在某些发达地区,虽然有其他信贷方式,但是贷款融资仍然是首选。所以,选取对中小企业相对重要的信贷融资问题进行研究,具有十分重要的理论价值和现实意义。基于此,文章以县级市昆山为例,对该地区中小企业贷款制约因素进行研究。首先对本文中小企业界定标准进行阐释,对中小企业信贷融资的相关理论进行阐述,并提出缓解中小企业信贷融资难的重要意义。这是本文研究的理论基础。在此基础上以昆山企业为样本进行调查,对收回的问卷调查资料和收集到的相关数据进行整理,系统分析昆山中小企业信贷融资现状,并指出昆山中小企业信贷融资难是由多方面原因造成的,既有中小企业自身原因,又有融资体制、机制等深层原因,并分别从政府、金融机构、中小企业自身等层面进行了深入地剖析。并针对中小企业信贷融资难问题,结合实际情况,提出缓解昆山中小企业信贷融资难的现实对策。
[Abstract]:Since the reform and opening up, the rapid development of small and medium-sized enterprises in China has become an indisputable fact. But behind its flourishing development, we should also see the shortcomings of its development. Among them, external financing constraints of small and medium-sized enterprises have become the main constraint to constrain their development potential and speed. From various investigations and studies, although bank credit is the first choice for SMEs to finance, only a small proportion of this willingness has been satisfied. Endogenous financing is still the most important source of funds for the development of small and medium-sized enterprises. There are many reasons for the difficulties in credit financing for SMEs, such as the unsound financial system of many small and medium-sized enterprises, the low level of operation and management, and the unstable production. But one of the important reasons is that banks can not correctly measure and evaluate the risks implied in small and medium-sized enterprises and make the right decisions. China's commercial banks, which have always regarded security as the most important factor, have been extremely cautious in lending to small and medium-sized enterprises, resulting in a long-term "reluctance to lend" phenomenon. In some developed regions, although there are other forms of credit, loan financing is still the first choice. It is of great theoretical value and practical significance to study the relatively important credit financing problems of small and medium-sized enterprises. Based on this, this paper takes Kunshan as an example. First of all, the definition standard of SMEs is explained, and the related theory of SME credit financing is expounded. This is the theoretical basis of this paper. On this basis, Kunshan enterprises as a sample to investigate, collected questionnaire data and collected relevant data to sort out, and put forward the significance of alleviating the difficulty of credit financing of small and medium-sized enterprises, which is the theoretical basis of this paper. This paper systematically analyzes the present situation of credit financing of small and medium-sized enterprises in Kunshan, and points out that the difficulty of credit financing of small and medium-sized enterprises in Kunshan is caused by many reasons, such as the reasons of SMEs themselves, the financing system and mechanism, and so on. This paper analyzes the financial institutions and SMEs themselves, and puts forward some practical countermeasures to alleviate the difficulties of credit financing of small and medium-sized enterprises in Kunshan, in view of the difficulty of credit financing for small and medium-sized enterprises.
【学位授予单位】：南京农业大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F276.3;F832.4

【相似文献】