银行视角下小微企业融资困境及解决对策研究

发布时间：2018-03-31 05:05

本文选题：小微企业　切入点：融资　出处：《华中科技大学》2015年硕士论文

【摘要】：小微企业作为市场经济中最活跃、最广泛的组成部分,为我们创造了大量的就业机会,促进了技术创新,增加了财政税收,在推动我国经济发展、市场繁荣、改善民生、维护社会稳定等方面发挥了巨大作用。可以说,没有量大面广的小微企业作为后盾,我国经济的可持续发展就难以实现。但是小微企业普遍存在业绩不稳定,抗风险能力弱,资信程度低下等缺陷,使得他们得到的金融支持与其经济贡献极不相称,“融资难”成为了制约小微企业发展的瓶颈,如何帮助它们走出融资困境,促进其健康快速地发展就变得异常重要。要想解决小微企业的融资难题,我们必须从小微企业目前的融资状况作为切入点进行研究,系统地剖析其融资困境的成因,并提出有效的解决对策。本文从银行角度剖析了宁波地区小微企业融资现状及困境成因,结合民生银行宁波分行小微企业金融业务的开展情况,从金融体制创新、金融产品创新、信贷模式创新三个方面,总结归纳了民生银行宁波分行对本市小微企业融资支持的理念、策略、经验,并提出新的展望和建议,以期对其他金融机构开展小微金融业务有所启示和借鉴,为帮助小微企业走出融资困境,促进小微企业的健康发展拓宽思路,贡献微薄之力。
[Abstract]:As the most active and extensive component of the market economy, small and micro enterprises have created a large number of employment opportunities for us, promoted technological innovation, increased fiscal and tax revenues, and promoted economic development, market prosperity, and improvement of people's livelihood in our country.Maintaining social stability and other aspects have played a great role.It can be said that the sustainable development of China's economy is difficult to achieve without the support of a large and wide range of small and micro enterprises.However, there are some shortcomings in small and micro enterprises, such as unstable performance, weak ability to resist risks and low credit level, which make the financial support they receive out of proportion to their economic contribution. "financing difficulty" has become the bottleneck restricting the development of small and micro enterprises.How to help them out of the financing dilemma and promote their healthy and rapid development has become extremely important.In order to solve the financing problem of small and micro enterprises, we must study the current financing situation of small and micro enterprises as a starting point, systematically analyze the causes of their financing difficulties, and put forward effective countermeasures.This paper analyzes the present situation and causes of financing of small and micro enterprises in Ningbo area from the perspective of banks, combining with the development of financial business of small and micro enterprises in Ningbo Branch of Minsheng Bank, from the perspective of financial system innovation and innovation of financial products.Three aspects of credit model innovation are summarized, such as the concept, strategy, experience of Minsheng Bank Ningbo Branch's financing support to small and micro enterprises in this city, and some new prospects and suggestions are put forward.It is expected to enlighten and draw lessons from other financial institutions to help small and micro enterprises out of the financing dilemma, promote the healthy development of small and micro enterprises, broaden their thinking, and contribute to the meagre contribution.
【学位授予单位】：华中科技大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F276.3;F832.4

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