南京银行对科技型中小企业融资模式研究

发布时间：2018-06-13 04:33

本文选题：中小银行 + 科技型中小企业　；参考：《华中科技大学》2012年硕士论文

【摘要】：近年来，科技型中小企业得到了高速的发展，但是科技型中小企业自身具有“高投资、高收益、高风险”等明显行业特征，然而融资环境的恶劣使其发展状况不容乐观。他们很难从金融体系获得发展所需的资金支持。怎样解决这个问题，发挥中小银行的区位优势，提升科技型中小企业发展的融资环境，对于指导中国经济持续健康发展，保持经济增长活力具有重要的理论和现实意义。因此关于科技型中小企业的融资研究也越来越受到人们的广泛关注。本文在认真梳理国内外相关文献的基础上，从理论上系统阐述了科技型中小企业融资困境的根源，主要探讨了科技型中小企业的融资的一般情况，并对中国科技型中小企业的融资问题作了更深入的分析和研究。我们利用信贷配给理论、产业集群理论对科技型中小企业融资情况进行理论分析，再结合科技型中小企业的一般特征和自身对资金需求特征进行深入探讨，最终提出可行的对策建议。并以南京银行的实际工作为例，探讨中小银行如何发挥结合自身优势，支持科技型中小企业发展，从而达到双赢。文章最后，通过政府，银行，监管部门，企业自身等角度，，提出了解决中国科技型中小企业融资问题的建议。
[Abstract]:In recent years, small and medium-sized enterprises of science and technology have developed rapidly, but the small and medium sized enterprises of science and technology have their own obvious characteristics such as "high investment, high income and high risk". However, the poor financing environment makes it not optimistic. They are very difficult to obtain financial support from the financial system. It is of great theoretical and practical significance to guide the sustainable and healthy development of China's economy and maintain the vitality of the economic growth. Therefore, the research on the financing of small and medium-sized enterprises in science and technology is becoming more and more widely concerned.
On the basis of carefully combing the relevant literature at home and abroad, this paper systematically expounds the origin of financing difficulties of small and medium sized and small enterprises in science and technology, mainly discusses the general situation of financing for small and medium-sized scientific and technological enterprises, and makes a deeper analysis and Research on the financing problems of small and medium-sized enterprises in China. We use the theory of credit rationing, The theory of industrial cluster is used to analyze the financing situation of small and medium sized enterprises in science and technology, and then combine the general characteristics of the small and medium-sized enterprises and their own characteristics of capital demand. Finally, the feasible countermeasures and suggestions are put forward. Taking the actual work of the Bank of Nanjing as an example, this paper discusses how the small and medium banks play a combination of their own advantages and support families. At the end of the article, the paper puts forward some suggestions to solve the financing problems of Chinese technology-based SMEs through the government, banks, supervision departments and enterprises themselves.
【学位授予单位】：华中科技大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F275;F832.4

【参考文献】